Well, here in Spain at least it's in fact impossible to go bankrupt due to medical issues, because healthcare here is free, public, universal and guaranteed to everyone, even if you're not Spanish.
It's just basic humanity. Society is there for those types of issues. It may sound alien to you, but it has obvious advantages that the average greedy, absurdly individualistic American is unable to see.
Many people are unenthusiastic about their work.