Oh hello, this is mine. Thanks for submitting it.
Are you really planning to put medical emergencies on credit cards or file for bankruptcy?
ETA: The marginal individual tax rate in the US is fairly low when compared to other developed countries in Europe and Asia. Was that assessment important to your argument or was it a Blue vs Green thing?
Here's an interesting post about calculating the value of your free time and why it might not be as simple as some tend to think.