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Honestly it isn’t that bad.
I’m over fifty now and have never been even close to a mass shooting. Outside of a gun range I’ve never heard a gun shot. I’m definitely not middle class or upper middle class and other then a 2 year stretch I’ve never had a problem getting insurance or getting insurance to pay my medical bills.
In the last year my mom has started having a problem with certain medical bills getting paid by insurance. They always pay but sometimes it requires a call or two to the insurance or doctors office to fix it.
It’s amazingly easy to start your own business in the US. The number of opportunities is crazy. That goes for both people who just came to the US and for those that were born here.
Are there problems? Yea. Same as in any country.
I would like to provide an anecdotal counter-point, because I don't think your experience is representative.
My father was a master plumber and operated his own business, very successfully, for 30+ years until he died of lymphoma. We fought with insurance tooth and nail but when all was said and done, his estate - which included property, savings, and his business assets - were drained to less than $10,000 by medical bills when all was said and done.
He was a military veteran, and was also getting support from the VA - if not for that, he'd have been bankrupted years before he died.
This was someone who, by most metrics, did everything right - he pulled himself up by his bootstraps, was an absolute workaholic, and worked hard to make his business successful, and for all of that, he checked out with less than $10,000. And he died at 64 - he was working up until about 2 weeks before he died.