[10,000 Volt Ghost]

Mostly if you hurt other people or cause damage to others property. Most people don't have a briefcase full of cash to pay for a broken wall that is available immediately. Most medical centers either won't treat you without insurance or if they accept to be paid directly won't tell you how much its going to be ahead of time. They feel safer being able to charge an insurance company. You'd be surprised how even the smallest thing can end up being really expensive.