Except if you have health insurance and the medics choose the "wrong" medicine which isn't covered by your particular insurance.

Or when an ambulance from the wrong company shows up.

Or as in OP when the hospital makes up the charge.

And add the 8% of uninsured Americans, which is still almost 30 million people!

Only in America will this all add up to "scary stories" and they will shrug and defend the system.