IMO you're looking at it from your perspective only. Services to negotiate medical debt by interacting with the insurance company to find errors and/or intention denial -- these exist today -- you're giving me the impression you're healthy enough or well off enough to not need them?

I suppose we're not yet at the point where this gates services for all -- but we're CERTAINLY at the point where hospitals refuse to help you if you can't show ability to pay up front.

Ugh, this is a total shitshow. None of this is what it should be. Profit motive has absolutely corrupted everything.