Your misplaced sympathy for "life threatening" is were EMTALA came from, and makes hospitals more expensive. Deadbeats, bums, illegals, etc force the hospital to provide "life-saving" care and then skip out on the bill.
I can't afford hospital bills because the government steals half or more of my paycheck, government then subsidizes hospitals and bullshit treatment, government then let's millions of sickly freeloaders in overwhelming services, government then pays those bills incentivizing hospitals to care for freeloaders, government forces insurance to play the game of outrageous bills.... On and on and on and on the merry go round goes. Fuck this ride. I want off.
I could write this more detailed but I have to jump in the shower and handle some things.
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