Oh no I'm only speaking about the American context. I guess you're in a magical Utopia where people don't skip essential medicines because they can't come up with the co-pay even if they have insurance.

Or the health insurance company will outright refuse to cover what your doctor prescribes so you need to materialize a spare 1000$.

Too sick to work, time to cut off your medicare because you failed the work requirements.

Even if you find a therapist that works, they can move out if your insurance network. Or you switch to a new job that offers different insurance your therapist can't accept.

I know during my second eviction I didn't have 800$ a month. So what use is it. Do only upper middle class people have problems worthy of consideration?

Your response feels quite snarky but I understand you're speaking from a place of emotion after your own difficult experiences.

Here in The Netherlands people with less money can get access to therapy with assistance from the state. I've had to do it myself and it cost me around 300 euros per year to see 3 different providers for 3 kinds of therapy; the rest of the costs were covered by the state.

I wouldn't call it a magical utopia as it works via a system of mutual social support, not magic, but it does seem relatively utopic in comparison to what you describe.