Really? My wife is American, I'm Belgian. I know of zero people in Belgium that had to file for medical bankruptcy. I know of 2 in my circle of friends and relatives in the US.I think they also do it in the USA, maybe by other means.
In any case, social benefits in the United States are no less than in other countries.
There are many financial control mechanisms, they do not have to be initiated by law.
That seems like less social benefits to me.
I know of no one in Belgium that had to take out a loan to go to college. I know of several in the US.
That seems like less social benefits.
I have more payed time of in Belgium then I do in the US. Etc. etc.