Average medical debt per person in 2020 was $430 per [0].
By comparison, in year 2006, there was 2.55B$ in arrears in my state of Arizona when it had ~5.5 million people, or an average of $463 per person. Not even adjusted for inflation. [1]
If you set the bar at medical debt, which you seem to have, it seems to have passed it on child support alone. And that is with a quite uncharitable handicap against me, as I'm comparing the 2006 child arrears numbers I found against 2020 dollars of medical debt.
>Bankruptcy won't even discharge the kind of debt many/most of the lower-middle class fall broke upon.
Most of the lower-middle class do not go broke upon the listed criteria.