Statistically, the majority of all personal bankruptcies these days are by individuals with too many medical bills. The vast majority of them had health insurance. Most of them are middle-class and well-educated.
Source]
So the facts tell a different story than your conclusions.
Very True. As someone with a college degree, I now owe over $88,000 dollars in hospital bills which I cannot pay and which have ruined my credit, what little I had, because I have no insurance. In my state, the qualifying income for medicaid for a family of four is $800 or less per month. My disabled husband’s SSDI check amounts to more than that so we don’t qualify.
My degree was in nursing. Many years ago (over 15 years), I developed an addiction to prescribed painkillers. As a result, I made the horrible mistake (not to mention sin) of fraudulently calling in a prescription for the cough syrup containing hydrocodone I was addicted to. As a result, I now have a felony conviction on my record (I was never involved in any other criminal or illegal activity in my life) that renders me almost completely unemployable in this day of high tech background searches and credit checks before even obtaining a job at places like Wal Mart or McDonalds. In fact, Wal Mart was GOING to hire me, and even said they would give me a chance with my 15 year old conviction, but when they ran a credit check and saw my medical debt, they said no way. They explained that their employees must have good credit because those with poor credit would be more likely to steal from them.
Due to health related issues I cannot stand for more than a few minutes at a time and cannot tolerate extreme outdoor heat in my southern state also due to a medical condition. This further limits the type of job I can work. Additionally, my husband is on a liver transplant list (not because he drank, etc but because he got hep c from a blood transfusion) and is quite ill, and my youngest son has an autism disorder as well as ADHD and is impossible for my husband to care for alone, and we do not qualify for any assistance in care for him, so again, this limits my ability to work to hours he is in school. Should he be sick or school be closed for a holiday or teacher work day I would be unable to work.
Not only that, but people with any type of drug conviction on their record are permanently ineligible for many types of assistance in many states, including mine–no student loans/grants, no food stamps, no subsidized housing, etc. EVER. Now, were I a paroled murderer, rapist or robber, I would be eligible for ALL those things.
I don’t mean to insinuate that one should not pay for one’s crimes–however, is it reasonable to expect people to be able to return to a middle or even lower class existence under these circumstances, when they are unable to obtain employment, etc? Even finding a place to live is near impossible if you have a felony–no apartment complexes will accept you, and most renters will not rent to felons. Everyone assumes that anyone who is a “felon” must have been involved in a violent crime such as murder, kidnapping or rape and is not safe to have around, though this is often not the case at all.
This is just an example of ONE reason why a person might end up in poverty–yes, it began with a foolish mistake but results in a lifetime of punishment and ostracism. There are MANY reasons for poverty. And yes, our faith obliges us to give to the poor, not clutch our “hard earned money” to our chests in fear that we might accidentally help some “unworthy” person.