If she just went to the ER you wouldn't be complaining.. and the ER's bill is more expensive than 21.50. People walk out of ER's not paying a cent all the time. She could have just done that instead and let the hospital raise everybody else's medical care costs..
That is your opinion and your criteria of responsibility, and it is vague and problematic.. What about drug addicts and people overeating and developing diabetes? That isn't taking responsibility for their health, so what if the next clerk decides he isn't go to sell you you're insulin because you're fat.... or refuses to fill your pain pills because you have track marks on your arm?
Should your 1.50 argument be my idea of health responsibility? Is that also my criteria? NO..
You have NO IDEA how responsible or irresponsible she is for her health.. Does she smoke? Does she go to the doctor regularly? Does she take her medication as prescribed? How often does she miss a dose?
When you try to define medical responsibility in this context, you're going to run into more problems than solutions... and you're going to be pointing the finger at more people with chronic health problems than anybody else.