If someone is dying of colorectal cancer, trying to get them to worry about their credit score is not only not helpful, it's actively harmful. Messing up your credit for a few years is in the category of "inconvenience" and it's not the kind of thing that you need to worry about when surviving cancer.

You’re right. I am just bitter and angry because I have to get my endoscopy done and I owe my life to my doctoral program that gives me excellent health insurance.