My wife and I very much expect to be dead.
All kinds of scenarios where you or the Mrs could get sucked into a vortex. Suppose she goes to the ER for cough and fever and she has a mild pneumonia. The doctors anticipate a short stay so she goes in. Then she takes a turn for the worse, needing oxygen, IV fluids, respiratory therapy, etc.
Would she leave the hospital as she was getting sicker? Otherwise, you could be looking at tens or even hundreds of thousands of dollars in hospital bills.
If money is an issue, there are medicare advantage plans with zero premiums and reasonable copays.