They don’t even have to go bankrupt, because most hospitals and the bill collectors they deal with will not sue the debtors.
That is amazing. Do you mean that if a person with a good job, say paying 70K per year, but has no health insurance racks up hospital and doctor bills that the hospital/doctors won’t sue?! I know they go after me for the part my insurance doesn’t pay. I understand if the person has nothing suing them is a dead end, but if they have a good income?