Why is everyone afraid of the ER

I notice a lot of posts on here about woman freaking out over bleeding ect then saying they've made a appointment with their doctor in 2 days...I myself had bleeding and went straight to the ER, I work in the medical field and my grandma was a nurse for 50 years and I talked to her about it. 
Maybe if you don't have health insurance I can see why but honestly they won't mind you coming into the ER at all!! They're there to help! I went for bleeding and ended up being fine but they told me if I was for whatever reason worried to just come back! 
We on glow can only give you advice on what's happened to us but there's so many different reasons and causes for many things during pregnancy! 
If you ever have any doubt something is wrong with your baby then please go to the ER! Even if you are sure you're miscarrying my dr said its best to go to at least make sure everything came out or learn that something else is going on and your baby is fine so you can sleep at night!! 
Don't ever be afraid to seek help!