I spent half that time in Critical Care (much of that on a ventilator, a small amount sedated), and most of the rest in a specialist neuro-rehab unit. I would have died otherwise.
Fortunately it cost me nothing - Thank Bevan for the NHS - but if I were in the US I imagine I would be financially crippled!
That’s bonkers. My employer has No reason to know my credit rating and unless I’m working in some kind of ‘protected’ industry not sure why I would require a background check.