Losing a job and not being able to find another can force you into debt. You need to eat. We've been dismantling the Safety Net for 40 years. If you think you're protected and you're not already rich then your nuts.
It's also ridiculous to say you're not "forced" into debt when you need medical attention. Experience the pain of an infected tooth or a Kidney Stone you can't pass and tell me about the "choices" you have then.
Christ, what the hell is wrong with this world. Human beings need certain thing to survive. I've said this before and will again: If we can put a man on the moon why the hell can't we feed our kids?