Carl L. Hull came up with the Theory of drive-reduction. He proposed that motivation is triggered by biological needs for survival. When an individual feels unwell for example, he will find ways to reduce the unpleasant state that they are in. The person is driven by the need to reduce the feeling, that's why it's called the drive-reduction theory.
Considering others finacial situations, and if they can afford it. Health care should be free, but that probably isn't going to happen. Healthcare should cover everything in medical situations.