The difference being in the ones where you get bills a large portion of people would rather die than either go into debt or put their family into debt and in the countries where you get taxed they tell you that you can't take your dying kid to spain because the doctors where you live where unable to save them so the bureaucrats are just gonna let the child slowly die.
or https://net.hr/danas/hrvatska/zurna-transakcija-hitna-pomoc-odvezla-pacijenta-do-bankomata/