Maybe your attitude would change given the fact that half of people who declare bankruptcy do so because of large medical bills.
I've read that about 50% of bankruptcy filings are due to medical bills (due to lack of health insurance or inadequate health insurance). Another large percentage is due to divorce. Only a minority of bankruptcy cases are due to fiscal irresponsibility.
So yeah, the bankruptcy bill sucks. The credit card companies can change your interest rate from 8% to 25% without any reason, totally screwing over the consumer.