You may have *been* to ER's for treatment, but you've never dealt with them.
And no, hun, hospitals are not terrified of "liability". Malpractice insurance covers a wide swathe of ills. They are terrified of bad PR.
Hospitals have been dumping patients in surgical gowns out on skid row for decades, and there are no recupercussions until the media catches on. That's how "terrified" they are.
Private charity hasn't been responsible for health care payments since before the days of country doctors accepting goats and chickens. In fact, I'd say, since ever. There is a reason the average lifespan was so short.
Look up the history of Lloyds of London; started in the coffee houses during colonial days. You have a *very* limited understanding of the past 300 to 500 years.
