I would counter this by pointing out people who work, and have something like HIV - the costs can be catastrophic.
I don't understand your point here.
People who are ill and can't work can be covered by their provincial medication insurance plans, with a small deductible usually for people on low or no incomes. It's designed so people without much money can afford any medications or medical equipment they may need. They'll get income to live via government social assistance, and of course necessary healthcare access paid for by provincial universal healthcare.