63- No, OP shouldn't. A five year old has no understanding of money. It would only damage her to have her toys unfairly taken away. A frank discussion about honesty is what the child needs, not cruelty.

1.Not everyone can afford insurance and also be eligible for financial assistance like Medicaid. 2. Kids will lie even if they're taught not too, especially at five 3. So if the child wasn't lying and the parent shrugged it off as a lie this would be a better idea? 4. Kids get into shit, they pick stuff up and put it in their mouths, it happens. 5. I highly doubt even the most oppressive, smothering parent can watch their kids 24/7. Why are you hating on their parenting and acting like a five year old should know better?

so paying for ER trips is cheaper than insurance? not likely. And yes, children will lie even if taught not to, but you should be able to tell if you child is lying. of course, if you do think they are telling the truth yes, you would take them to the ER thats good. And i work in a daycare, none of the 4-6 year olds would put something like a tack in their mouth. you are thinking of a 2-3 year old. And im not saying watch the child 24/7. im saying when using something dangerous like a tack. why else would they have access to it? my son is 4 and if he found a tack he wouldnt eat it. by that age they should know better.