"Too lazy to JFGI Lazeelink? Or were you afraid of encountering Inconvenient Truths?"

And do you think posting a link dated 2009 referring to mortgage foreclosures in the Philly area proves .......? You do know we are talking med expenses, right?

I realize you are uniformed and haven't the slightest idea of U.S. law. Setting up an irrevocable trust is neither "easy" or cheap.  And if a court determines it was initiated to solve an immediate crises such as a looming foreclosure it can be nullified. You have to plan and make the proper arrangements far ahead of any catastrophe. So please - pedal your erroneous info elsewhere.