In Australia, surprisingly and disappointingly, medical appointments. Seeing a specialist for anything is about $500 AUD, after Medicare rebate. So you need to have more than that much liquid cash on the day, and be able to tank the hit.
I still remember being in line behind this mother whose child was clearly extremely unwell mentally. When she heard the price for the psychiatrist appointment she's like, I can't pay that... Let alone 2 or 3 times because psychiatrists never diagnose on the first visit. She had her own (understandable) mental breakdown, and stepped outside to call family to borrow money.
You shouldn't need a payment plan to get antipsychotics. Somehow still cheaper than the scam that is private health insurance though.
I took my bike, but they confiscated my entire tyre patch / repair kit because it had an allen key in it. Apparently I might try to disassemble the plane from the inside or something. Then I learnt it's surprisingly hard to find a tyre repair kit in my destination. Hooray