Well, one alternative (in the hypothetical world I was describing--as I said in response to someone else, I'm well aware that the actual world is nowhere near like this) would be no-fault insurance--even if someone else's negligence or deliberate act caused you to need chemo, your insurance pays for it. Then you wouldn't have to go to court. The only drawback to that would be that, if the pattern seen with auto insurance is any indication, everyone's costs would be higher--auto insurance is significantly more expensive for everyone in states with no-fault insurance laws. But perhaps you would say that's worth it to ensure not having to go to court in circumstances like this.