The lawsuit thing makes sense in the scenario postulated. But say you fall off a ladder or something and you can't reasonably blame the ladder manufacturer or the guy who seeded your lawn or anyone else, and you have no insurance.

When the ambulance comes, I assume they can't just leave you lying there because you're not covered, so they take you off to the emergency room and fix you up a little. You have no money, no insurance, no prospects and if they send you a bill you're just going to declare bankruptcy. Who ends up holding the bag? Or do they rebreak your arm on live webcast and sell advertising against it?

Sorry to keep asking but the whole idea of people not wanting a public health care system baffles me in part because of scenarios like this.