Earlier quoted context omitted.
It is an exagerration to say that the situation you described was typical (though "too common" might fit). You implied that you could not obtain treatment if you cannot afford it. And now you're adding the largely fictional risk of losing your home into the mix. Yes, it is possible to lose your home in bankruptcy but only if the equity in your home exceeds your state's homestead exemption (often, but not always, $50,…
The important thing to note here is that the scaremongering is precisely what contributes to more deaths. If you're marching around saying lives will be ruined if you seek treatment , then YOU, not some other person, are the problem. Think carefully if the point you imagine you're making is worth that.
But lives are often ruined when people seek treatment, given that medical bills are the largest single cause of personal bankruptcy in the US. I don't think people get scared of seeking treatment because of the number of people pointing this out, as much as they get scared because of the number of bankruptcies.