Half of Bankruptcy Due to Medical Bills — US Study." At least so said the Reuters headline in last week's story. And similar stories in newspapers across the country agree. Soon it will be repeated as gospel on Capitol Hill and by the chattering classes everywhere. Understandably, middle-class Americans have started to feel a little queasy about their health and about the adequacy of their health insurance. The fundamental problem is that it isn't true. Despite what the authors have encouraged us to believe, the Harvard study, entitled "Illness and Injuries As Contributors to Bankruptcy," isn't really about medical bills,...