I fell from a ladder in the garage while feeding kittens. About age 10.
I hurt my wrist. My parents waited one week, before taking me to the doctor to learn I had fractured the wrist.
About 7 years later, I got into a fist fight, and broke my hand (boxer’s knuckle). My father’s attitude was “serves you right” and “you’re almost 18, think you know it all, I don’t want to pay your doctor bills.”
That’s right, people paid their own doctor bills.
Of course, back then a broken wrist wasn't a five-figure emergency room bill.