You immediately assume the woman was being soaked for the 120k?
Hospitalization costs
Those were covered by his Medicare and supplemental insurance, and OoP charges, like some chemo drugs, they had handled by taking out a second mortgage. Hence the term "surprise. " Given that you had none of the details about this, and still have very few, it was you who were making assumptions. And, as you were whizzing around on your rocket, there was a larger point that you missed. She is an artist, of extremely modest means, had played fair and helped with all of his payments, and is now broke and still with the second mortgage, etc. People are being ruined because the whole hospital system, doctor groups, and insurers are all profit-centered now, and driven by people who want to be in the one percent. Remember when BC/BS was all nonprofit?