I would have to disagree...where is your research coming from that a large number of people in the country voluntarily do not carry health insurance for any other reason then it is not in their budget?...I'm not saying there isn't some that do it but I can't even imagine it being 1-3% of the population....of course as I said I have not seen this research you are remarking on....truly it would seem to me that most people would want health insurance if offered an option at a reasonable cost....once again we come back to financial availability...certainly they do chose to not have it...but that is mainly because they do not have the means to afford it an their choices are buying their children food and putting a roof over their head or having health insurance....so in that regard you are correct they make a choice...a choice they should not have to make.
I will not deny that people ran up their credit to far...however it must also be noted that those financial institutions made poor investment decisions and made irresponsible choices in allowing that credit line to stay open for those people continually finding themselves further in debt.
It is sort of like blaming the addict but not the dealer...in my opinion both parties made mistakes.
Finally you must also consider that not everybody in this country comes from a background of much education at all....some have no more up to junior high school, others have even less...many are simply ignorant...and you expect them to be more accountable than the ladies and gentlemen who spent great amounts of time cultivating their minds in our finest institutions so they could run our largest financial entities?...it simply seems unbalanced to me.
I'm not saying that everybody finding themselves in financial troubles are ignorant...some simply made poor decisions but those who invested all of their liquidity in their homes could not help that the price of homes bottomedout due to the banks poor decisions in investing in hedge funds and other bad loans that as they were defaulted upon put more homes on the market pushing home prices down resulting in the fact that they then owed more on their home then their home was actually worth meaning they had no credit....that may have been the largest run-on sentence I have ever written...think of it more like a rant then a sentence though.