Hmm.
If I weren't a resident right now, I wouldn't be able to afford health insurance either, on this salary. The best thing about being a resident, in terms of daily living, is that hospitals tend to give you fairly good health insurance benefits - my program actually gives exceptionally good health insurance benefits. But, if I were working for another company that did NOT offer health insurance benefits, or only offered catastrophic insurance, there's no way I could buy anything better. Does that mean I'm lazy? That I'm a high school drop-out? That I feel that I'm "immortal"?
The problem with your arguments is that you simply don't understand how real life tends to work. Ever heard of the "working uninsured"? That term applies to about 14 million Americans. I see them in the hospital and the clinic everyday. Their employer was forced to make budget cuts, and health insurance is one of the first things to go. Or they were laid off (a very frequent thing in this economy) and the only jobs that they could find were part time. So they're working 3 part time jobs to make ends meet, but part time jobs rarely pay health insurance. Or they're trying to start their own business...but pouring all their money into just keeping their business afloat. Many of them don't have health insurance because their business would fail if they purchased it.
I think it's great that you've worked hard to get into a "dual" program (technically they're called combined programs - BS/MD, BS/DO, etc.)....so how about taking your nose out of a book once in a while and wake up to the reality of being an adult?
Do you know how many physicians and former physicians are substance abusers? The stress of the job and ready access to narcotics makes it easy. It's not just physicians - I've seen CEOs, high power attorneys, even deans of large universities seek treatment for addiction of some sort.
So until you are far enough along as an attending physician and can look back on yourself and think "I've never even been tempted by drugs or alcohol or cigarettes," and have never had any colleagues that have succumbed, then go right ahead and callously refuse to shed a tear while continuing to believe that all drug abusers are "bad people". And, yes, they ALL said, "Oh, that'd never happen to me."