I'll play the devils advocate. The lady did take the initiative to find a job and move to another city. The article suggests she used some of the unemployment money to move. She and boyfriend likely live paycheck to paycheck and the article says they have bills piled up. People on Obamacare are suppose to notify the exchange when income changes. With a job loss and pandemic fear, she might have lost track of Obamacare.
So, the Devil’s advocate says personal responsibility is just an idea?