That's pretty retarded there, if we had an entirely pay-or-die system the life expectancy of medical professionals would be about five seconds after they turned away someone's dying child.
We had that system right up to the time that Medicare was created. No children were turned away because they couldn't pay, and people were not dying on the streets. Medical rates were reasonable, insurance costs were reasonable, and this country prospered. Most hospitals were community or church sponsored, and rich people contributed considerably to the cause, and or course, to get their names on one or more of the buildings.
I imagine that some child, somewhere, was refused medical care because they couldn't pay, but that was definitely not the norm in the USA.
Medicare screwed up our medical care system. Not because it was not a good idea, but because it was run by dumbasses who didn't have any concept of what they were doing. Unlimited amounts of government money sponsored corruption throughout the system, and drove up costs tremendously. Medicaid finished the job, and now we need a new government program to fix the mess created by the existing government programs.