Here's another one. A cousin, who's like another brother to me, was a hard working guy who would give you the shirt off his back. He went to school to become a welder and got a job at a plant while building his house at night. He got tired of that so took a job which trained him to be a licensed oil burner repairman. He's meticulous to a tee, no matter what project he is working on.
After a while he went out on his own as a fabrication welder and in no time had a clientele built up. At 38, with 2 kids in HS he was diagnosed with degenerative kidney disease. He went out on disability and went back to school to learn computers while waiting for a transplant.
He graduated just as the bottom dropped out of that market...
After his new kidney he tried to go back to work, but getting back into the market and giving up his Medicare would have meant working full time just to pay for the meds he needs just to keep his body from rejecting the donated kidney. Over the last 20 years he's gone from an independent hard working guy to somebody who stresses about what he needs to stay alive... which means he's become completely dependent on "the government." He knew that the time would come when he would need another transplant (His brother donated the first, his sister is donating this time... something they decided on 23 years ago.)
That time is now. As I type this, he is going through his nightly dialysis. He was all ready for the transplant last year, until Covid raised it's ugly head.
But I digress. Had there been a way for him to go back to work without worrying about paying for his meds than he would have done so. Some members here will say that he should have planned better, yet how many can honestly say that at 38 years old they could have made 2000$/month prescription payments for the rest of their life?