So you’ve heard about a bankruptcy reform bill being discussed these days. Think it’s a good idea? Read this. I’ve never been bankrupt, and hope never to be, but I live in fear of a medical emergency or lengthy period of unemployment turning our lives upside down. Maybe if I were Bill Gates I could think that this “reform” bill would never affect me, but I think most Americans are one serious illness away from bankruptcy — even with savings and insurance, considering how high medical costs can be, and how frequently insurers don’t cover 100%.