delericho
Legend
From PHB
Hiring someone to cast a relatively common spell of 1st or 2nd level, such as cure wounds or identify , is easy enough in a city or town, and might cost 10 to 50 gold pieces (plus the cost of any expensive material components).
This would seem to make magical healing vanishingly rare for just about everyone in the setting - most people will be making enough to sustain themselves but won't have much left over after they've handled lifestyle expenses. Certainly, not many farmers will have that sort of money easily available for emergencies.
Access to magic, of any sort, would appear to be limited to the rich middle classes, those of the nobility who aren't impoverished, and royalty.
(Of course, the same logic should by rights have applied to 3e, but never did - it was assumed that every village of a certain size had at least one adept capable of casting the spell, and that people would therefore have easy access.)