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.
If your goal is to avoid collection, you really only have two options. You may either reach an agreement with the medical provider that you can actually afford or file bankruptcy. Bankruptcy discharges medical bills. Large medical bills are the leading cause of bankruptcy.