Earlier quoted context omitted.
I live in a country with universal healthcare and it works pretty well much of the time, so perhaps I don't have the same perspective as you. But some of your examples ring a little extreme. Do you really suggest "having a big family" as the way to survive health problems and retirement? Because that's how it works in some (e.g.) SE Asian countries, and life there can be very harsh indeed if you strike adversity and…
> ...life there can be very harsh indeed if you strike adversity and don't have family to care for you. Life can be very harsh if you're unfortunate but don't qualify for government benefits. Or maybe you've genuinely turned a corner in your life but government rules don't have mercy like individuals can.
But yes, unfortunate you if you get something that's not covered under the universal deal, e.g. some kind of leading edge cancer treatment. That's when you hope your private insurance (if any) will pick up the tab.