People go bankrupt all the time and they never set foot into the hospital, have a broken bone or get a hang nail. Some of the biggest reasons are divorce, over spending and possibly the biggest reason is loosing a job. We don't make people buy divorce insurance, I was just being stupid insurance and we already have unenployment insurance which is working, (with a sarcastic tone) isn't it? Is that unemployment preventing bankruptcies? You make it sound that filing for bankruptcy is a life ending moment, yet I have friends that have filed, got a judgement, and are walking around today. They aren't dead, they picked up the pieces and went on with their lives, a little wiser.