Yeah, medical bills just happen sometimes, for the un-insured or under-insured. And you can easily rack up 10k in debt for a weekend stay at the local hospital for something you could have never helped (accident, disease, or otherwise). Crazy part is, you would never even know what hit you till you got the bill 3 weeks later. It's not like they tell you upfront, "ok, each IV you get is gonna be $550, each blood lab $230, and each vital check is gonna run u $55." I don't think they are bailing out loans on BMWs or mc-mansions...