Forget bankruptcy. How about we just get to the point US citizens don't have to worry about calling an ambulance? When I was a kid (I'm late 40s now) it was $200-500. Now it's low to mid 5 figures. And if you don't call your insurance and get approval within the window they refuse to pay it. Guess what? When I am in need of an ambulance I'm probably indisposed to calling my insurance company (if I have one) and navigating their approval system for the hour it takes.