And you know that, how?
Most transplant surgeries -start- in the mid-100k range. Where the hell do you get your 'data' that that sort of thing is "only" $10k?
Continuing, it is illegal in most states to not have auto insurance. If you are driving un-insured, you're an asshat and part of the problem.
Second, and more personally, my hospital bill from being run over by a pickup truck was over $30,000. I required 2 operations to put one of my legs back together, and spent 4 days in the trauma center. That's also not counting the post-release physical therapy and checkup appointments. Thanks to insurance, I was out my $500 deductible and a couple $10 copays, -total-.
3. I have a dental bill for $1200 that I'm responsible for all of $90 thanks to the piddling amount per month that I'm paying for Dental insurance.
In essence - you're either a complete tool and a moron, or you're 21 and still think you're indestructible.
In either event - you're an idiot.