What is the leading cause of insolvency in the United States?

Medical debt is the number one cause of insolvency in the US, creating financial nightmares for millions of Americans. For many people, a simple trip to the doctor can escalate into catastrophic financial consequences, often leading to bankruptcy. This crisis reveals a fundamental question about the American healthcare system's true purpose. As medical costs continue to drive financial ruin, many patients are left wondering whether the healthcare system is actually designed to help people or primarily serves other interests.