That's called luck and it's one of the reasons we have shared healthcare in (most of?) the EU.

There's many things that can happen in one's life (and where one doesn't necessarily have control over) which would swing the pendulum from "a better future for you and your family" to "fucked for life". In the US if bad luck hits you there's less chance of getting back on track.

And people are getting back at you with "predictable lines" because apparently you've been in your stubborn perspective for a looong time.