What is the primary 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 these individuals, what should be routine healthcare visits can lead to bankruptcy, as the system often prioritizes profit over patient welfare. The crisis stems from rising healthcare costs and insurance issues, leaving many patients questioning who the healthcare system is actually designed to help. As described in the clip, people are forced to choose between their health and financial stability, highlighting the urgent need for reform in healthcare accessibility and affordability.