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Thanks for the link to the study on the limited effects of forgiving medical debt.
I once ran a small credit counseling service, so I had quite a bit of contact with medical debtors.
Let me share an observation or two….
1. This group generally does not have enough money for a house, for utilities, and (if they do own a home) for home insurance. They are always close to broke.
2. The reason they have medical debt in the first place is that they chose a health insurance plan with a deductible they could not really afford. Maybe that is all that their employer offered them.
The patients went with the lower premium plan, understandably, and effectively rolled the dice that they would not get sick in the next year.
Medical debt means that they lost the bet for this year. But most will make the bet next year too. It does not leave them feeling optimistic about their finances…thus the results shown in this study.