Avoiding this is a good argument for having insurance, insurance which is *true* catastrophic coverage ONLY. The whole point of insurance is to shield you from such an event. But we've got our insurance companies so occupied with paying for each and every doctor visit that I'm not surprised a person could have insurance but have to file for bankruptcy as well.
This is really the answer. It should be like home owners and car insurance. No payout for the small stuff, just the bug stuff.