[marshray]

If you're uninsured in the US and break your leg, yes, your debt is now $10,000.

[rosser]

...which is utterly irrelevant to credit cards.

[mikeash]

Or much higher, but this is unrelated to credit cards.

[marshray]

"A credit card would give me the ability to instantaneously take on $10,000 in debt. I don't want this." is a responsible and admirable position for someone to take.

[mikeash]

Agreed, but once again irrelevant, as that's not what anybody in this thread of conversation has said.