I'm not ignoring a single thing. What percentage of procedures done in the ER or trauma do you venture don't pay a dime? Put a number between 0 and 100%. Keep in mind that only 10% of Americans are without insurance, and thus, a random sampling of procedures would be expected to find only 10% aren't insured. If you want to inflate that, go for it. Give me the number, you believe, don't pay a dime. That's the number you are agonizing over. And statistically, it is below 10%. Practically, it is below 10%.