If I die my family gets paid, and my problems are over. Even losing a major limb is a better option than the costs of prevention.
Really good life insurance is really cheap. Nothing makes health care affordable in the US, except leaving the US.
Losing a major limb is 99.9% of the time never better than keeping the limb. Despite how many people say to the contrary.
Not only does it put many hands on trades into another learning curve, sometimes it completely stops your career. Residual pain from surgery often isn’t nearly as bad as phantom limb issues too.
With disability I could move out of the country and maybe afford actual medical care. Again, life insurance is WAY cheaper than health insurance, and gives partial payment for disability. At that point, I don’t care about losing my career, I’m getting paid for life. The only question I really have right now, is if I’m going to be totally or only partially blind.
