It is the norm. I worked with a man who had seizeres and no health insurance. The first time he was introduced to me he said “Hi, I’m Tony. Listen, I have seizures. If I have one, DO NOT call an ambulance, no matter what. I can’t afford it.” He told us even if it looked like he was dying, to just let him go because he could never afford the bills if he lived.
This wasn’t some crappy part time job, this was my first big girl real job after graduating college. Like welcome to adulthood, you might have to helplessly watch your coworker die at you place of employment!