Loss of license, AFLAC and associated supplementary insurance, etc, are perhaps more critical than many realize. This is especially true of the young. A notable observation as Obamacare made insurance available (and mandatory) for many was that a lot of young people didn't bother. Health for many, if not most, is taken for granted. Cancer, covid, strokes, heart attacks, kidney failure, yada, yada, all old person stuff. Why bother.

My first round of being grounded came with kidney stones (and several surgeries, stent, etc), described here before. That event was several months without pay while I waited on a medical resolution. That time frame can be a year or more for some, depending on the backlog and what's wrong, as well as the difficulty in resolving (for those who don't use a service like AMAS, it can be an extended daisy-chain of the Administrator requiring additional documentation, which is time-consuming). That boils down to self-help, either via carried insurance(s), or savings, or other means (working, if able). It doesn't need to be an "old-person" malady to dig into the coffers; getting t-boned in an intersection counts, too.

The California ethos of suing the pants off anything that breathes, for the crime of breathing, does not always carry the day.