I don't disagree. Income inequality is an overarching issue in the US. As is charging monetary damages that will never be paid out. My mom was injured in a car accident by someone driving under the influence, and she had to cover all her medical bills out of pocket despite winning in court because the dude wasn't even working and had no money to garnish.
I was more talking about how it fits in with the current system, as flawed as it may be. I don't have a good solution aside from overhauling the massive income inequality in this country. People working minimum wage jobs (which are usually jobs we need for society to function!) should not be living the same lifestyle as this dude.