Note that I’ve put references, video documentaries and numbers instead of baseless accusations, I’ve also actually lived on both continents extensively and currently have elderly parents on both sides of the pond going through roughly the same problems… I know the problems on both sides, I’m not delusional, but the US is overall better for the price you pay.
And on another note, you don’t lose your house in bankruptcy in the US, unlike other countries that basically the government repossesses your house for not paying the government for “free” health care. Most bankruptcies will protect your primary property and are just allowing you to restructure payments. Chapter 7 you will lose property but not your (reasonable) primary residence, your (reasonable) car, your insurance, your retirement etc are all protected. Anyone saying they lost their house in a bankruptcy, that means they were living in a mansion and a judge figured they lived beyond their means and had to downsize, they can generally keep most of the equity to pay for a new more reasonable house.