"Why, no, I've never had a zero bank balance -- why do you ask?"

Part of the village-commons aspect of the internet is that you find conservative types who suddenly startle you by having no clue whatsoever how the world works for those struggling between paychecks:

It makes no sense to declare bankruptcy simply to get out of paying medical bills; just do not pay them and move along. If you have no money the medical debt is not collectible; and if you do have money a bankruptcy judge would require part of it be used to pay the debt.