Kiranjit Kaur was barely 20 when she saw her father Gurnam Singh’s lifeless body hanging from a tree on their family farm in Punjab’s Jhunir village. This was, just after a white fly infestation had devastated the entire cotton crop in Mansa district. While the family was already saddled with a debt of around Rs 8 lakh, Kaur was bitten by a snake. With the local government hospital lacking medicare facilities, her father had rushed her to a private hospital in Bathinda. Her life was saved only after her debt-ridden father paid a hospital bill of Rs 2 lakh.