No it wouldn't be. If you were uninsured, the price would magically drop to $50,000. And if you couldn't pay it you'd simply file for bankruptcy and it would be socialized onto the rest of us that way. Worst case scenario, post-bankruptcy you'd have to rent a home for 7 years instead of getting a mortgage until your credit resets. But even people who have gone through bankruptcies can still get mortgages.

Yes, the US healthcare system is insane/dumb. But the stupidity of it can just be stated matter-of-factly without inventing falsehoods like "life ending $1,000,000 debt for the uninsured."