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Have you worked in any Non Home countries in those 9 years? Did the states you were in cover your medical? Or did your "Home" country cover you even when out of country? Or private cover? Are you constantly moving on your bike ... or settle in one place, work a while, then move on? Where are you now?
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There are alternatives. For instance we taught in China for a couple of years. Wages were low but everything found and we actually saved money and had an experience that isn't available to the vast majority.
We have also spent several months on cattle stations in Australia. Also everything provided so while you can't save money, you don't spend much either.
So we have moved and settled as required. Always a matter of choice than necessity though. If it were otherwise, I would stay home and complain about my lot as the majority are content to do. The smart ones, when realising that a certain course of action just isn't possible, look for other ways of getting out of whatever rut they want to get out of. As has been stated here over and over, if you want something bad enough you will find a way of getting it. If money is the key - and it is - then just work a bit harder or longer. Just look at all the grey-haired wrinkleys getting around the world on everything from two sneakers to 500,000 expedition trucks. They have worked all their lives and only now can do what they want to do. Hardly fair to be envying or castigating them for that. Hard work came first.
Those who think they are entitled will always be disappointed.
Medical? Suspend our private health insurance back home (and anyway, Australia has "free" universal medical care so there is never a problem of not getting treatment you actually need) and use that money to pay for travel insurance when overseas.
On the web there are sites devoted to helping out in return for a bed and meals - all over the world. We did a couple of stints in France - not because we had to, but because we wanted to. Plenty of ways to make money go further. Giving up some expensive habits can also work wonders for a tight budget.
Yes, of course not everyone has the resources or determination or even the desire to go travelling or take up polo or deep sea fishing either. Might suck if you are in the group that just can't afford it, but that is the way things are.
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Should they totally forget about traveling if they can't afford it?
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They probably should consider delaying their dream of a 5-year luxury round the world trip and concentrate on achieving something a little more sensible. Some work 40 years and then travel forever. Alternative might be to work for a month and travel for a few days. Same thing really, just need to be realistic.