> Even with the best free health care and enormous social safety nets, losing your health to the point that you can't work would be a lifestyle change for anyone anywhere due to lost income.

OP mentioned "health-relared expenses", which is not the same as losing your income.

I'm sure that most people in the world will struggle to make ends meet if they find themselves unemployed, even if they are perfectly healthy.

My expectation is that at the age you'd expect to die, you're retired and not working for quite many years before you'd actually die, so a health event at that stage of life would not change your income.

You probably shouldn't be at the "spend all your money before you die" stage while you're still depending on having a significant income.

But also you can get insurance for that.