You're adorable. I'd put money on it that I was out of college, the first time, before you were out of grade school. I'd also wager I was out of college, the second time, before you were out of high school. I haven't been on my parent's health insurance since I was 26, but I guess I don't know how this works...
I never once claimed a millionaire would want to pay completely out of pocket expenses, I said that they had the ability to reconcile those payments better than most people (I said it mattered far less to them, but I'm talking about their capacity to pay it, not their actual interest in the money). Insurance covers a certain deductible, and after that you're on your own (that's if they even cover it to start with, which they try to avoid if they can). Also, my copay is $20, but a standard visit would be about $100. I've been to this rodeo a number of times! But here's the deal, I can't get the same cancer treatments that my millionaire aunt can, because I don't have the money to pay for it and she does, regardless of insurance (because, hey, insurance doesn't always cover everything). That's a whole other thing, of course, but it illustrates my point. Also, the smart millionaires hate to spend money, so of course they don't want to dole out $60K.
Further, while I don't actually disagree with you that a facility that only took care of you for a week shouldn't be required to check up on you 4 years after the fact, their outreach should've been better. Did they try to find him better aftercare? Did they attempt to give him resources to better help his transition back? They aren't responsible, but they didn't exactly help either (and reading her response to his experience, I kinda get his reluctance to trust in that system again). And, having had to go through this with people I know (including family), I have to sympathize with her feelings on the matter because our mental healthcare systems in the US are pretty lousy if you aren't willing to be proactive.
She supposedly did reach out, but he didn't reciprocate. I sort of understand that scenario, she was his ex. That said, reaching out is only one part of a very large equation. When you don't trust a system, what else do you have? And I mean, how are you supposed to feel good about dumping $13K on healthcare when it didn't even address the issues? While some of it is needless blame, some of it is pretty reasonable expectation.