For Medicare to pay, you have to spend at least 3 days in a hospital. The rest will come out of peoples pockets. If you don't have long term care insurance, you'll be spending your assets. Once you need care, it can be very expensive. I asked for some estimates of expense.
Most people stay home as long as possible.
In addition, there are costs for pharmacy bills, incontinence, and any number of expenses that aren't included in the basic monthly bill. They can't afford to quit their jobs, to empty their 401k plans, etc. In some states there is a law declaring liability. In the sixties, Lyndon Johnson's Great Society was in conflict with these laws and Johnson downplayed all those statutes. Now it's about getting money from the government.