Fortunately a great many of the older folks are rock solid tough. I had a great aunt living on her farm near Hector MN who passed away a few years ago at 103 Y.O. When she was in her 90's she was still tearing up and down the gravel roads in her big old Cadillac delivering meals on wheels to "old people". When the roads would get too bad for the Cad, she'd drive the old 1960's V-6 GMC PU. (RIP Hilda Johnson, you served your neighbors well.)
To add to the problem you are describing, the elder's need for seeing a doctor on short notice is increasing with age. And there are almost no doctors except in the regional area hospitals, and then there might be only one doc on duty in the ER. So what might be a somewhat minor heart attack can mean the end for that person. Thankfully cell phones have proved helpful in getting quicker responses. But folks need to carry that cell phone 100% of the time when out of the house, and we don't always remember to do that.
I do believe you are 100% correct, and this is a problem which has very few good solutions.
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