For millions of Americans, health insurance is an unaffordable luxury. Fifty million U.S. citizens have none. A public health system exists, but it’s only for those below the poverty line. Increasingly, specialists and hospitals are refusing to treat the needy patients because of the low fees they bring in. For Dr. Cecil Walkes, that’s an outrage. At 76, with his wife in a nursing home, he’s still treating the poorest of the poor. However, some of the bad cases are beyond his means.