I did save. I had a significant savings beyond what most Americans do. My life was still ruined. I am sorry for your experience and deeply understand how pain and medical issues can affect you, but what you are doing in my case is victim blaming. None of this was in any way my fault. It wasn't because I didn't prepare. I was more prepared than most. You cannot reasonably prepare fully for this. The costs are immense and you have less means and more needs. I didn't ever say Europe was a utopia. I said the system in most places it far better than the US. Even paying the private system in most places is FAR cheaper. You are rightly upset you suffered...suffering sucks. That suffering would have been worse in the USA and it's not fair to say "just prepare".