If the hospital stay isn’t free, your governement hates you.
I mean the PC probably met their deductible in two days
Just don’t have insurance. They come after you but after they get enough(~$1k) they’ll leave you alone. My current dentist charges a max of $1k to people who are out of pocket. I got all 4 of my wisdom teeth out with conscience sedation for $1k flat. I worked in IT/DB at a dentist for a few years and people were paying $2-3k for the same with insurance.
Also introduced me to concept of urban development by not having gigantic parking lots like real life America.
To be fair, GTA 5 is in a fictional version of LA, in a fictional California. California has state funded free medical insurance. Which is great for when you get shot in a drive-by or at school; just like the game!