First, you started asking and comparing everything with your country. For you, it looks like everything in the US is same with his country. It's totally wrong. Once you come here, you'll realize that it's totally different. No matter what people keep telling(warning) you what you don't want to hear, you just argued like a baby and said "i don't want to talk with you". Come on.... if you need everyone to support your thought, just post it in your blog, not this public forum, where people discuss share their "opinion".
If you're so confident with your source of information - friends, relatives - whatever. Keep asking and trusting them. You don't need to ask here and whine later. Though this is a forum for DV winner, not everyone in this forum live outside the US. Bragging that your knowledge is correct since you heard from someone currently in the US. is fool. I've lived here in the US since 1999. I really disagree with your statement about medical insurance, survival with low paying job. Working 10-12 hours a day with $8 per hour???? Only young people, illegal or international students without authorization to work are willing to do that. Most people would want to earn more to raise their standard living.
Another thing is that earning $8 is very hard to pay for your tuition. At least in my university, tuition for PR is more than $4000 per semester, not include book, room and board, etc. One simple way to do it is through your company. I saw many part-time students taking an online course to get the Bachelor degree. The company pay most (or all) for tuition fee. I can't see any restaurant is gonna pay that for you.
Back to medical, just like others said, you can't expect that you will definitely not getting injured from accident. You said you can afford it. Come on, unless you or your parents have $10 million in account, I don't think that you can said "I can afford it". Some serious injure need surgery immediately, and it can cost like $100,000 in a few days.
By the way, I'm curious. If I'm as rich as you are (according from your quote "I can afford it"), I don't want to work for $8 an hour. Or maybe it's your dream job.