You mean like those families that pay for public schools through their property taxes (and other public support) and pay all over again to send their kids to private schools or home school?
The example of a broken wrist costing 14K and her being able to pay it off gives an unrealistc perception in her mind that she can cover the costs of medical bills on her own. Sure 14K is managble for many. But it doesn't take much to start accumulating a 100K in medical bills and beyond. With her lifestyle, choosing not to have medical insurance is dumb . . . and I suspect, if not her, someone else with this attitude will one day be declaring BK to get out of debt with hospital bills . . . happens all the time.
