A universe where foreigners don't feck off without paying their dues.

Amen.

It's even harder for tiny little businesses like mine, no way of recuperation with out spending more money.

Having had 2 people skip owing me money I can tell you my goodwill when people start to ask about things like this is zero. You knew your exit date so should do the right thing and give the required notice to the company..... and pay what you owe. The thought of skipping was obviously high on your agenda as you even had an answer for the 'what if you get sick' question.

It's this sort of attitude toward the rules here seem to come easy to some, and the less honourable types just make it difficult for other expats, and the locals less tolerant and more resistant to renting them apartment or offering jobs etc.... just sayin'.

Why don't you ask the guy who gave you the exit visa last time you left the country? They have a big office next to the place where they shoot the holes in the cheese.

There is a fundamental flaw in this. What if your accident renders you incapable of paying the bill i.e. you are stuck in bed at the hospital.

In any case, it's quite an unbelievable question. I was thinking of not paying my car insurance until I actually have a crash.

Come on, pay up and do the right thing.

actually this is something Swiss need to do as well and what happens to Swiss as well. Has nothing to do with you being a foreigner, but I agree, people leaving the contry without paying their bills are certainly not very helpful for other's reputation.