Not sure what it has to do with anything but married, no children, mortgage.
It has everything to do with your OP! You cannot possibly have all the answers to make such a biased perspective when you have no children.
Most mothers that I know, put themselves last. Maybe a mother can put herself in a closer second or 3rd if she has one child and a husband (STILL not even first!), but I can guarantee you that a mom of FOUR is a distant 5th or lower in the ranking of her family's needs. Their kids' daily, urgent needs come first - always. When you have to choose between groceries, shoes, school supplies, public school tuition (I paid nearly $1500 for my kids to attend PUBLIC school this year, and our property taxes are ridiculously high on top of it) and yes, even birthday gifts and $10 for a school field trip, and $5.00 so they can participate in the after school walk-a-thon, and all of the other little things you get nickel and dimed for to make your kids feel like kids (these are endless and add up quickly, so I'm not even going to begin to quantify or list them here), most mothers tend to take care of those things first, and the "chance" of diagnosing a serious illness second.
I've been guilty of it myself. It was 5-6 years between doctor visits for me at one point. Then when I did go, I, too, went for a routine screening and they found something. Scariest few weeks of my life. How long had it been there? Why didn't I go to the Dr? Why did I go NOW!? How am I going to afford this? How will I SURVIVE this!" It all ran through my mind. I kind of wish I'd never had even done the screening, kind of. The diagnostic ultrasounds, xrays, and biopsy cost me thousands, plus time off of work, and I still didn't even hit my deductible, much less my OOP. And everything was OK - all benign. But I paid for the tests for the next year, and prayed my kids wouldn't get hurt or sick enough to need to go to the hospital.
Like I said already....you have NO IDEA WHAT IT'S LIKE.