Even if you "do everything right," this should still concern you, because most of the debtors were well-educated, owned homes, and had middle-class occupations. Oh, and three-quarters had health insurance.

Three-quarters! Isn't health insurance supposed to protect you from this? Do you know how many bankruptcies were filed by members of your health insurance provider? Do you know how big their legal budget is in order to not have to pay you money?

Non-Americans in developed countries do not have this anxiety.

Link to the study.