That’s a whole lot of words to try and justify not maintaining a 1:1 ratio on my server bro.

Wow sounds like my life. What field are you in?

Yes. There’s a chance you have to deal with collections after a while. Most the time the debt just gets written off tho.

If it does end up in collections, you can pay it for a bargain discount (and it’s removed from credit report). Or just wait it out and let it drop off in 7 years.

If you’re needing a loan sometime in the next 7 years, it’s a risk. But there’s certainly no criminal consequences, and they’re not coming after your wages over it.

If you aren’t from the USA, most of that doesn’t apply. They’re not coming after you in another country over medical debt, and they won’t prevent travel into or out of the country. It’s simply not a big deal here.

Not sure what the fear with healthcare stuff is. If you need medical assistance, the hospital will treat you. 6-12 months later you might get a bill.

Can’t you just laugh about it and throw it away like most ppl here?

It’s the same in the USA at the state and local levels. Most states’ lotteries go to education.