@ 3:11PM Bankruptcy is a confusing thicket caused by many factors, but mostly by over-consumption, unemployment, divorce and lack of personal savings according to the recent paper, "Household Consumption and Personal Bankruptcy" written by Ning Zhu of UCDavis. However, your phony medical costs reason was a real nice try. As far as your citation of the 32% denial rate in CA, do you know what these claims were for? What statistics do you have that determine whether these claims were legitimate or within the contractual payment obligations of the insurance companies? You have no idea, but that 32% figure is a real useful stat even if it's meaningless. Regarding people leaving the U.S. for cheaper healthcare, Wal-Mart also shops in China to buy cheaper goods. What does that prove? Chilean wine is cheaper than Californian. Should the FedGov bailout Napa wineries? Americans vacation in Mexico because it's cheaper. Does that mean that we should nationalize the U.S. tourist industry? Medicare and Medicaid will go belly up in just a few years. Does that make them success stories? Only to a progressive. Your laughable analogy regarding Police or Firefighters makes no sense. Americans are not anarchists. We have no problem paying for professional community services since Police and Firefighters serve their communities in an equal manner. In fact, they tend to overserve low income neighborhoods. Perhaps they should stop doing that and only serve ethnic or income groups according to the amount of taxes those groups pay. Wouldn't that be fair?