I have no idea why people blame capitalism for things like a lack of socialized medicine (which I support for the record).
It's the American emphasis on individual freedom that results in a lack of government mandates for healthcare. Nearly everyone has healthcare, adding the small percentage who don't to the existing government-run system would not be a major financial burden, and cases like the one you cited are effectively (but not literally) zero.
Historically, there's been a tug of war between people who feel like you should be able to take the chance of financial ruin over an unlikely event and those who think the state should be protecting those people from themselves, leading to the disaster of a system we have currently. That's pretty much the explanation.
It's the American emphasis on individual freedom that results in a lack of government mandates for healthcare. Nearly everyone has healthcare, adding the small percentage who don't to the existing government-run system would not be a major financial burden, and cases like the one you cited are effectively (but not literally) zero.
Historically, there's been a tug of war between people who feel like you should be able to take the chance of financial ruin over an unlikely event and those who think the state should be protecting those people from themselves, leading to the disaster of a system we have currently. That's pretty much the explanation.