It seems like it's up to the state to set the barrier for entry to their Medicaid system. In my state, the limit was <$24k yearly income, and I think that's gone up since I last looked. In a friend's state, it was <$12k to qualify, which is a lot harder to survive on.
Yeah, that was my experience with employer-run healthcare in general before I left to start my own business. I was paying $200 monthly for a terrible, high-copay situation like that from my last employer when I broke my knee. My friend with zero insurance had the same injury so I went to his doctor and surgeon. Afterwords we compared our total bills and mine was barely any less than his cash-only bill. I felt robbed.
I felt the same until some point in high school when I realized all food ultimately grows from recycled rot, so I decided to try liking mushrooms. It was a lot easier to overcome the texture of those than of raw tomato or onion and opened up a whole new world of umami flavor. Just wash them and cook them; there's no understanding the people eating them raw...
In my experience, they usually lose interest partway through the clarification and then later ask three questions that were covered while they weren't paying attention.
I'm a big proponent of buying government surplus office printers. I have this huge print center collater thing that came with more toner than I'll ever use in my life. $55
Human error is a far more reasonable explanation than complicated conspiracies, but I understand the thought. It really looked like that ship aimed for the bridge. Planning such a conspiracy would be far, far harder and more expensive to pull off than simple bridge failure, though.
Believe it or not, the insurance companies drive maritime safety requirements since they hate having to pay out for things like this. The classification societies that regulate and inspect ships to approve for insurance coverage have very strict and well thought out safety requirements that get better any time a new failure mode is discovered.
I personally think this one was human error in an emergency situation.
Theory: They lost primary electric service and began a slight drift to starboard. When they got backup power online, they began a crash reverse to slow down. This would hinder rudder control since the ship was still going forward and now just creating turbulence with the prop. Reverse would torque the stern to port, swinging the bow to starboard, as we saw. The bow thruster was offline due to the power issues.
I imagine those other targets are in much better positions to prevent such attacks right now. Russia is kind of busy elsewhere, so maybe they were seen as a better target with a higher chance of pulling off an attack.
Plenty do. There just needs to be more organization.