My two cents. As far as being indicator of the willingness to repay volutary debt. It has been rpoven time and time again that medical collections are really not a good indicator. Situations change and wih the current economic crisis, I feel thatmany people who once had insurance and don't have time to micromanage it or don't have the credit knowledge to understand that waiting for insurance payments may really hurt them will be sorely affected. But as I said earlier, the majoirty of those who will be affected will be those wihout health insurance and I personally have a problem equating he ability to pay with the right to live.
I guess that in todays society, that in and of itself is no longer a right without the ability to pay. We're not talking debtsthat are volutarily run up due to mismanagement of funds here. We are talking about the baility to seek healthcare. The Fed can step in on this so-called mortgage crisis to keep people from losing homes but can do nothing to keep people from losing lives. Kinda ironic.