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In addition to the factors already mentioned in the article, I want to add the US healthcare system. It's run by private insurance executives. Medical practices are all beholden to greed and callous boardrooms where the phrase, "it's just business" is their shitty rationale for denying patients of proper care.
Gen X here. At this point in my life, seeking out healthcare might not bankrupt me as I've got a whole two deductibles in my health savings account, theoretically allowing me to get sick twice over the remaining twenty five years or so of my life.
Even with that luxury in my back pocket, it's so hard wired in me that even driving past a doctor's office brings bankruptcy, that I don't even try.
Wild card for me is that I engage quite a few doctors on personal finance matters and have learned that many of them are just as bad as their insurance and hospital executives are. They'll perform a less beneficial but more costly procedure because their God damned neighbor just got the newest Ferrari and they need to one up them. I have literally experienced Dr. X asking me if Dr. Y was doing better than him. It's disgusting behavior into which I've no desire to place my life and four generations of medical debt.
I will happily die younger solely to leave a clean estate for my daughter in favor of giving it all to those shitheads for an extra couple months of excruciating pain extended life.
Corporations don't want us to have m4all partially because it would make it easier for us to class action sue them regarding products causing health issues. Can't sue if you never get diagnosed
And fear of destitution keeps people from seeking care earlier.