I've worked extensively with impoverished families, many of whom have been to the ER countless times for things that you or I would see our primary care doc for, and none of them have ever been prosecuted in any way or pursued by collections agencies for failure to pay their hospital bill. I've also worked in 4 different emergency departments with doctors who've explained to me the frequency with which patients don't pay their bills, and it's shocking how few patients actually pay and how few patients in the ER even have health insurance. You're the one living in lala land if you think collections agencies are going to attack people who can barely afford food or rent. I've seen how collections agencies work, and it's simply not worth their time to pursue those low-level cases very aggressively. They specifically target people with money, not people who couldn't pay for an ER visit for fear of being evicted from their apartment because they couldn't pay rent.
You need to reread the question prompt, because it doesn't say anything about a pre-med telling the woman about the lesion. I wouldn't tell her about the lesion, because I don't know anything about melanoma and can't identify it accurately at all. But the question prompt is referring to someone who has completed their education and is now in training, who has recently been studying melanoma with their derm atlas. Enough with the straw man arguments, I'm not claiming that pre-meds should mention the lesion in cases like this.
My God, you're out of touch with reality. If you seriously think that collections agencies will spend any time going after someone who doesn't even have enough money for rent or basic healthcare, you're off your rocker. I've seen collections agencies in action, and that's not how they work.
Also, (and this is directed at
@LizzyM too) I didn't call the woman my patient. I said that patients should be well-informed so they can make their own decisions. That's a general statement about that fact that a person doesn't have true autonomy in their medical care if they aren't even aware of their options or conditions.