This applies to other things as well - retirement and education come to mind.
Anecdote: my uncle and BIL are auto mechanics. One in the US, the other in Scotland. Similar lifestyles - both own homes, have mechanical hobbies (vintage cars for one, Harleys for the other) - typical working class lives. The uncle in the UK just has much less mental overhead when it comes to major life planning.
Many here will say that that's the cost of the freedom of choice and speech in the US.
It's from a fictional drama (The Newsroom) but this a great riposte to "freedom in the US".
https://youtu.be/wTjMqda19wk?t=95And yet we have ICE and the FBI harassing “dissidents” every day, medical choices dictated by insurance companies, and on and on. They’ve been sold a bill of goods and just haven’t realized it yet, IMO.