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By law, hospitals have to admit people that are about to die, such as would be the case in a car accident. I'm not sure where hospitals draw the line on what is "about to die", though.

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I'm pretty sure it doesn't have to be life threatening. A friend of mine got his arm badly infected and went to a hospital with no id and no proof of insurance and they treated him.

If you know how to count I would just wander around and back count until I found a great shoe. Then, bet big, but make sure to have enough bets to play optimally (ie. always able to split and DD the max amount).