> Most people in the US are probably aware one healthcare or legal issue in their family will derail the whole family’s future.

Healthcare sure, but for Americans, it is culturally and institutionally seen as a core part of justice that the guilty have their future destroyed. That it affects those dependent on the guilty is a part of that destruction, it's trying to isolate them from others. If you still have your family around, has your life truly been destroyed? Among American people it might not be universal, and may seem absolutely barbaric, but the extreme malignance of American justice is more or less consistent with a wide swath of attitudes Americans have, especially when they're the ones who have been severely harmed.