My humble opinion: Biden’s proposal to prevent medical debt from showing up on credit reports will put many hospitals out of business and incentivize non payment. Before Obama care the actuaries were working with known knowns. Coverage was provided by employers, at least they knew those covered could work and were functional. The market now has been flooded with those receiving “compassionate care” ie Free, The pool of people who pay for it all shrinks every day. That’s a real recipe for success right there isn’t It? The final insult will be when hospitals and doctors aren’t around anymore.