Yes, instead they can charge you exorbitant, arbitrary fees and send you into utter bankruptcy.

Sure, depends on the insurance.

>utter bankruptcy.

Not paying your medical debt doesn't necessarily 'send' you to bankruptcy(stays on credit report for 7 years generally, unless enforced by a court order - which it usually doesn't), you have to actually file for it. But we're arguing with semantics so I'll just agree with you.

However, that is not what you said.

Your comment implied that someone has to be approved by insurance to receive treatment, which is not true.

People get denied all the time at the pharmacy for lack of insurance. Without insurance many drugs are simply unaffordable and they get turned away for lack of funds.