 are clear every day in the ER. My patients worry aloud that if they follow my advice to stay overnight for testing to see if their chest pain is a heart attack or if their dizziness is a stroke, they will face even more debts they cannot pay. Some fear debt so much that they show up too late. I will never forget the woman who came to the ER one evening with a fungating cancerous mass. She told me she had noticed it six months before, but she did not go to her doctor.