I’m terribly sorry to read about your daughter’s death. She was a beautiful child and her loss must be completely devastating.
I’m not quite clear, though, about the point of your post. Yes, if you don’t have insurance, you can be bankrupted by large medical costs. Are you suggesting that people should take out medical insurance? I think most people will agree. Are you suggesting that government should pay for all medical expenses so that insurance isn’t necessary? If so, I don’t think that’s going to work.
I’m not trying to criticise you. I genuinely don’t understand the goal of your post and hope that you could please explain it.