Because, as a post below notes, this is a pure fantasy. At this point you're proposing actual magic.
>Linux versus, say, Solaris and Microsoft Windows
Your choice of operating system isn't going to severely harm or kill you. "Move fast and break things" is a problem when the "things" are people.
>medical consequences have to get pretty costly before they're more costly than selling your home and emptying your retirement account and your kids' college funds.
Welcome to the reality of healthcare in the US for the uninsured (and often times for the poorly-insured).