Yep.
It really comes down to asset protection. If you have little in property and investments than a lot of insurance is less necessary.
But..... one would still like to have a reasonable level of care regardless. So, if not holding insurance have some cash set aside that can supplement any periods in a hospital, and some money for decent after care. In Thailand this is much more doable, but you still have to plan for it.
Guys who don't do this get what they pay for.
Now.… someone who falls on hard times and suddenly has the rug pulled out from under them, I may have some sympathy for. I have seen this happen, most of them had the sense to pull themselves together and start building a new nest egg. For those who just f**k it off, well.... that's their choice.