Some see major health care episodes like natural disasters. The proverbial “through no fault of their own”, although often times the victim is in fact to blame. Earthquake and flood insurance for examples are available and the government backstops with relief and FEMA.
The problem applying that logic and system to medicine is that almost everyone is a disaster at some time in life. Earthquakes, floods, and lightning strikes are relatively rare, extremely rare. Incidents needing (or wanting) medical care are common place, including serious, expensive “disasters”.
There is not enough money in the world to “save” everyone from every health care incident or to make them financially whole again afterwards.