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You would have lost your job and likely be on medicaid and disability and it would be very unclear if you have or lost your house and possessions but keeping hold of them moving forward would be almost impossible unless you could find a new job which is also highly unlikely.
Also, at some point you couldn't afford care anymore. So you would have stopped treatment and died.
maybe. the us is odd in that if you literally cannot walk out on your own they usually keep you while the bills rack up.
Hm, would you though. There is short and long term disability. Some states require some amount of it. And salary type jobs often include more of it. You may get replaced after a bit, but you technically would still be employed until after. That might mean you would have to pay the insurance premiums out of pocket, but assuming you could afford to, that would be well worth it.
Not saying that is how it "should" be though. Just that there is probably more nuance.
Im talking about the concept of insurance in general. Im just comparing it. You pay more to handle and event that you can't economically handle at the time. Like losing your house to a fire. Im just saying the value is worth the cost much like generally these things are.