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USA healthcare does not rule
(links.rocks)
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You kid, but moral philosophy is full of examples like that.
If I leave a rake on the ground and it rusts over 5 years and then someone contracts tetanus is it my fault? If it is my fault is it just counter-factually? If it’s my fault because counterfactually I could have put the rake away and prevented the death, am I blameworthy? If I’m not blameworthy do I have any obligation to right the wrong?
I know this isn't critical to your point (which is a good one), but since tetanus is deadly, I feel obligated to mention that tetanus and rust are unrelated: https://www.discovery.com/science/Tetanus-From-Rust. Make sure your vaccination is up to date even if you aren't dealing with rusty metal.