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I find it interesting how much western countries have individualised the causes of sadness.
It's not that strange that people are often sick in a sick society. If you're depressed, it's likely that there are things that are causing or exacerbating that depression.
Give people homes, job security, less stressful jobs, and offer them a healthy work-life balance? Far easier to deal with and possibly even heal from trauma or serious health issues.
But that costs money. Selling people pills and self-help books? That makes money.
It's worth noting that a lot of solutions actually save money.
For example, universal healthcare is a big issue in the US. Around 2/3 of all bankruptcies are from medical debt. People ration lifesaving medication like insulin because of how prohibitively expensive it is. GoFundMe is of the largest healthcare providers in the country, and over 1/3 of all campaigns are for medical expenses.
They've created a system where it's prohibitively expensive to seek necessary medical care, and is built on the foundational acceptance that people need to die and suffer for it to function as intended.
Yet a universal healthcare system is projected to cost the US an estimated ~13% less than they are paying.
A bit misleading, though I get your point. 2/3 of people who file for bankruptcy have medical debt, not that the medical debt was the cause of the bankruptcy. Any dollar amount of medical debt factors into this statistic, so if I have $800 in medical debt with reasonable payments and I drown under a mortgage I can no longer afford and 20k in credit card debt, did the medical debt cause the bankruptcy? Of course not. It's counted anyways.
Your assessment of this is incorrect.
The study I was referencing reports on people who specify that medical-related financial stress contributed directly to their bankruptcy. This was broken down by medical expenses and medical issues leading to loss of income - with medical expenses being the higher percentage at ~60%, and the combined percentage sitting between 65-70% (with overlap in responses).