Earlier quoted context omitted.
If I'm a healthy individual then the risk that I need my healthcare insurance are low (But it has a big impact on my economy if I do need it). However the risk that I need some form of housing is 100% and the impact of not having it is huge which to me makes it a bigger risk. However YMMV depending on your situation.
Circumstances change quickly. I'm married, things happened, and we ended up having a baby. Due to various circumstances beyond our control. That cost $100k. As a healthy guy in my 20's, I suffered an injury through no fault of my own that led to me needing a serious back surgery. Net cost -> $250k. Rolling the dice on something that fundamentally life altering, and expecting society to pick up the tab for the consequ…
Who is responsible for your health? I'd argue that the baby is entirely on you, and $100K for a delivery is insane unless you had incredible complications.
And if the back injury wasn't your fault, you could seek redress from whom is responsible. If it's work related, then work should pay. If it's an accident, then whomever is negligent should pay.
Unfortunately, no one wants to take responsibility, and expects "society" to make an individual whole after a loss.