2. It's quaint that you think there is universal ambulance service in the United States. There isn't.
Since the person in question lived in Las Vegas, not Smalltown USA, I think it's pretty reasonable to assume that an ambulance was a viable option in terms of availability. Since she had to get a predatory loan to get a car, it's also reasonable to assume that she has money problems and either didn't have insurance that would cover the cost of using it or covered very little of that cost. Saying she didn't want to pay the cost of an ambulance, and for those who don't know, this can easily be $1000 in the USA, is really a different argument than suggesting that she had no other choice because ambulance service didn't exist where she lived.