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I'm from the USPeter, are you U.K. or U.S. based..?
Healthcare is actually pretty affordable here in the US, and there is a lot government aid, and charitable giving.Merino,
You are perpetuating a myth, one which is untrue.
Lets' agree that if some farm family member gets' a serious illness and they need a course of expensive treatment. In both situations the person enters hospital and receives treatment, how the cost of this treatment is payed for is where it diverges.
In the U.S. it will be paid by private insurance the farm family pays on a monthly/yearly basis, the farm family will carry the amount of insurance they need to cover any event. They have choice of hospital/doctor/location.
The advantage to all this is that the payer has choice. Not saying one system is better or worse but to say you lose the farm if you are sick is not true.
Healthcare cost is high no matter where one lives
I feel a lot of what you say some truth but a lot is fake news .The majority of the population of the USA live within 100 miles of the coasts, so there is a huge area in the middle where farmers can operate without causing too many problems for neighbours - mainly because there are so few neighbours and as most of them will be farmers too, they may be more understanding. So there are vast beef feed lots that stink to high heaven and large dairy units that only have to dig a big lagoon to hold their slurry. Those wouldn't be allowed in the UK because of causing nuisance to people who live next door.
Most fields in the USA are much larger than in the UK, these enable large machines to be used without obstructions like trees, fences and stone walls. There is less time spent turning in small fields so more productive working time.
There is a fundamental difference between permitting in Europe and the USA. In Europe, nothing is allowed unless you have a permit to do it. In the USA, anything is allowed unless there is a regulation that says you can't do it. This affects most activities. As a result businesses in the USA seem to do things that would not even be attempted in Europe.
Safety standards in US agriculture and industry are much lower than in the UK. PTO shaft guards are optional and in many cases it's allowed to just apply a warning notice saying don't touch moving parts. In Europe there has to be a physical guard which adds to the cost of the machine. In the UK, agriculture has the reputation of being the most dangerous industry. The fatality rate in UK agriculture is around 8 per year per 100,000 workers. In the USA the fatality rate is around 20 per year per 100,000 workers - 2 1/2 times higher.