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Originally Posted by MikMod
None of the options I mentioned involved saving up - though it is pretty obviously what people would do, ahead of time.
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Other than borrowing, how do you not save up?
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Pre-war (pre-NHS) it was very common here (south coastal U.K.) for people to have some money put aside for the doctor, should one be needed in an emergency. We are talking about $40, the cost of a backpack, to cure a family (huddled together) of all disease, perhaps saving 4-5 lives.
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Regeneration won't cure the family, just one person. And who do you cure if all of you have it but aren't showing symptoms yet? That family becomes $160-$200 worth of expense to cure, especially if we are talking about a plague-like disease.
Would magic dramatically change things? Sure, of course. Would it get rid of all disease and make societies super huge? Not likely.