Traits are aspects of a character's personality, background, or physique that make him better at some activities and worse at others. In many ways, traits resemble feats: A character can have only a limited number of traits, and each trait provides some benefit.
You need to know that you can discharge medical bills in bankruptcy. Even if you have the best health insurance coverage possible an illness or serious injury means lost time from work, co-pays, deductibles, and other strains on your limited financial resources.
Bankruptcy is an exception. You don't pay tax on debts you wipe out in bankruptcy. If those debts are deductible, however, you can't deduct the part that's wiped out. For example, if you have $10,000 in deductible medical debts, pay $4,000 of them in Chapter 13 and wipe out $6,000, you can only write off $4,000.