Well, the biggest consequences aren't financial, they're losing your quality of life, or your life itself.

Sure?

So they do end up bearing most of the brunt of their own decisions. But you're also right, it's not entirely on them.

But the effects aren't just financial, look in an ER. People who for one reason or another haven't been able to take care of themselves in the emergency room for things that aren't an emergency, and it means your standard of care is going to take a hit.

Ah yeah, good point.