I'm confused by the "needed money for healthcare that would never be covered by universal insurance", are you sure such costs wouldn't be covered by NHS or similar had you lived in another country?
Europeans are just as fucked as Americans when they have this illness.
Umm I can’t see, walk straight, or think normally 4-5 days a weeks. Disability, your faking it. Doctor, it can’t possibly be that bad, your lying.