Debt Free is just a dream!

We are vigorously staying on the Dave Ramsey program and are desperately paying off the house and any bills that come in right away. It is funny when I look back and see our debt and where we are now, how foolish we were to even allow ourselves to be put in that position! I look forward to a day when we have zero debt. As I look forward to that day reality always seems to be just on the other side of that dream. Even though we can pay our debts off completely the looming realization that we will never be debt free always hangs over me. For me to be able to walk I will have to put us in debt every 3 years like clock work. $60,000+ doesnt just grow on trees!
Yes the insurance helps but leaves any where from 20% or more. That is if they do not fight us on it OR I do something stupid and have to get anther leg and the insurance denies it because they loo at it that I JUST got a new leg. I wish there was a way for the insurance companies to realize that when you have no legs and the prosthetist sends them a bill, most likely it is NOT for kicks and giggles.
People on the outside of our amputee world have a vision that insurance helps us, and we have no worries other than our health. WRONG! Not only do we have to worry about our health, this is mainly from a disease amputation (diabetes, septicemia, cancer ect), but also our prostheses that gives us the mobility we need to get around,  every inch or our residual limb, and the insurance companies that are constantly fighting us even though we pay them. These are just dealing with issues of our actual amputee life. Now through in bills, family, kids, school, work, and sports. Our lives both physically and mentally tend to a lot more draining.
Explaining this to people that are looking through the glass at our life can shake their heads yes in understanding but honestly they dont have the slightest idea. I would like it to be easier for those of us going through so much. I would like to look at our debt free future and KNOW that is how it will stay. In reality my prosthetics will never let us truly be debt free!