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The ER would be another matter. I'm not sure if society is ready to say, "Too bad, so sad, no ER for you." Frankly, I'm heavy on individual responsibility, and I'm not ready to say that.
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Making people responsible for their debts is a far cry from "so sad, no ER for you". So you get stuck with a $20,000 bill because you were too stupid to wear a helmet. I don't see where that's the taxpayer's problem, its your problem. And if it takes evey spare nickel you earn for the next few years to pay it off, I see that as your problem, as well.
Being stupid should hurt. It should cost. It should not be underwritten at taxpayer expense. And personally, I don't think you should be able to get out of paying for your stupidity by bankruptcy, either. But that's just me.