In the US, why doesn't a personal savings account make more sense than health insurance?

Yep! Having medical costs be a “fend for yourself” system is super ableist. I had a double lung transplant in 2014 thanks to the affordable healthcare act, thanks Obama, and if my “personal savings” had been the only thing I had to pay for it I’d be dead. Lots of people, like myself, are born disabled, we deserve to exist, having a system where I still get healthcare even if it costs a couple million to put me in ICU for six months and do 12 hours of surgery is the only humane option. Some bills just can be covered by the very vast majority of us, and like you said single payer healthcare is the obvious answer, insurance sucks but it still covers a very important gap

Ok so I hear you, but where do I get to deny claims and make $638,384,274,836.67 for myself while you die of a completely treatable disease? It's not a fair system to me so I'm going to bribe lobby Congress and get my way.