I have 2 children. Insurance covered almost everything. The out of pocket expenses for the hospital were something like $700, not thousands. For doctor's visits it was just the $20 co-pay for each visit, and all the labs were fully covered.
If you want something to last 1000 years you design it to last 10k. In 1000 years, the descendants of the ultra rich will come out of their bunkers with the technology to read these chips.
Back in high-school there was a street I had to cross on my way to school and there were no traffic lights at that crosswalk. It was a high speed street and there were lights at major intersections before and after that crosswalk, so cars tended to just blow through it regardless of anyone waiting to cross.
The biggest problem was not waiting for a car to stop, it was a car stopping on the first lane, forcing me to start crossing, only for a car to come shooting through the second lane without wondering why the other is stopped. That's why I learned to avoid using the crosswalk, it was the most dangerous place to cross the street. I chose a place without a crosswalk where I could cross when I saw that both lanes are safe.
I know it is possible to build solid houses out of wood. The ones I'm talking about would 100% not withstand blizzards or tornadoes.
Like most in my native country, I grew up in a building made entirely of solid reinforced concrete slabs, including most interior walls. I could not hear my upstairs or downstairs neighbors and when I saw people punching holes in the walls in American movies I thought it's just an exaggeration, not something that can actually happen. Wooden houses were culturally associated with poor rural people who couldn't afford living in a nice solid apartment. That culture persists today, and even in isolated villages new homes are built with concrete structures and brick walls.
When I bought a piece of land and was looking at options for new houses, I found a company making very solid wooden homes (still a lot more solid than the average Bay Area home) for reasonable prices and both my and my wife's families were outraged at the idea of building a house out of wood.
Just some random background to why I'd use the word "flimsy" for wooden struts sandwiched between drywall sheets.
I'm pretty sure those wooden houses in Canada are built differently from wooden houses in California. The ones I've seen are thin wooden struts covered with some drywall.
Edit: and just saying "flimsy" by comparison to the usual reinforced concrete structures back home. I now own a home in California and it's definitely solid.
An article describing the history of the theory and why it's not really likely: https://www.smithsonianmag.com/science-nature/was-spinosaurus-a-bison-backed-dinosaur-12849430/