Imagining the unimaginable.
When it comes to doing that on the "bad" end of the spectrum I don't think we humans are so good at it. It's not just speeding or smoking teenagers who think they're invulnerable.
We have another person, this time a blogger, whose health coverage was simply insufficient for the unexpected, catastrophic need. Not too surprising given we're talking about a couple whose coverage came via one of them being a grad student.
Read the story of "Badger" an anonymous academic blogger whose husband was diagnosed with liver cancer 6 months ago. And read about how the state and federal programs designed to help the neediest turned the couple away...despite their low income, despite the fact they were also raising a child, despite everything that would make you logically say that this couple were contributing members of our society who also needed a safety net.
Sadly, Mr. Badger died yesterday. At the age of 34. Leaving a widow and child and a mountain of debt.
At least one fellow academic blogger has set up a fund for Mrs. Badger. Check it out. Convince yourself the whole story is for real, and if it touches you like me, then do what you want about it.