In 2006, the average American spent $3,372 on health care.
Bacteria lives on the outside of foods, especially raw meats. When you cook a steak, you kill the outside bacteria making it safe to eat the pink insides since it won't be exposed to any bacteria. Hamburgers however are made of ground meat which, since it's ground, has been exposed to more bacteria. The meat is packed in a hamburger patty, but the inside has still been exposed to bacteria. You fully cook hamburgers to kill any lingering bacteria inside and out of the patty.
The myth that eating late at night is popular because it is widespread, this makes people believe it. With influences such as Oprah herself advising against late night snacks, we're influenced. The myth is false because overall a calorie is a calorie. People believe that we don't lose or burn calories as we sleep, but this is false. We do lose calories.
Responsible actions to take whilst eating late at night is to avoid it, or best eat a calorie-controlled snack. Research has shown that late-night eaters tend to make poor food choices and aim for the yummy (but unhealthy) stuff.
Hope this helped!