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Question to Americans, is it a secret way to make poor people not have children?
Actually it's easier to pay hospital bills when you're poor. You either go to a non-profit hospital and ask for charity, where they'll wipe your bill clean if you make too little, or you just don't pay the bill. What's bankruptcy if you're too poor to have credit anyways?
what about a midde class person? someone that makes enough to be able to pay 20k, but meaning that would be their savings
The actual middle class generally has a job that gives health insurance which will pay for it almost entirely. If you don't, you're probably not middle class unfortunately
While it's a fact that the middle class is shrinking, I think you're miscalibrated.
https://www.npr.org/templates/story/story.php?storyId=4631736
https://abcnews.go.com/Health/middle-class-americans-crushed-rising-health-insurance-costs/story?id=67131097
https://www.forbes.com/sites/debgordon/2022/03/30/with-inflation-rising-medical-costs-hurt-the-middle-class-most-new-report-shows/
You're describing what people used to think "middle class" meant. These days, we all know that health insurance doesn't cover nearly as much as you want it to. Costs have skyrocketed in the last few years, let alone decades.