Health insurance is generally covered by your company as a benefit, and if it’s not when you’re in your early 20s it’s generally only a few hundred dollars a month. On a salary of $150k it’s pretty insignificant. Average student loan debt in the US for a bachelors degree is $30k (too high of course) but when paid out over decades is also insignificant against $150k.

I’m not making a value judgement about whether health insurance or student loans should exist but just pointing out that your comment seems like a false rationalization about why a much lower salary in a different country is okay.