Look what happened 10 months in though. Say hypothetically a poor person did all the same things Black did and kind of made it for themselves. They go in to see the doctor, they find out their dad has cancer and they have autoimmune issues. If they were to actually address their health situation at that point with only the funds they had amassed, they'd get fucked by the American Healthcare Debt Extraction system.

Not to mention all the other ways things go wrong, such as getting laid off. Without a million dollars to fallback on, many either can't take the same risks, and many others do but that causes them to fall back to square one.