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.
However, if the patient/debtor cannot (or does not) pay the offered monthly payment or pay in full, then the debt is in default. At that point, the medical provider can send the medical bill to collection. The idea that a debtor can make any payment they want toward a medical bill and avoid collection is a myth.