You mean:
“Please reinvent the US Healthcare System in an alternative fashion in a Facebook comment.”
Ok then.
Staying with the bank metaphor:
Banks offer loans.
A client’s coverage is credit score.
If you have sufficient credit score, you have enough ‘room’ for cardiac surgery.
Differences:
If you lose insurance coverage one year, it’s gone.
COMPLETELY.
Credit score however, remains, even if it’s not great.