In America greedy interests have successfully legalized situations where to have things like health care it is legal to bankrupt people. The special interest bought legislature has made it legal for unfair pricing and charging to so dominate and drive the costs up that bankruptcy for a real 'need' is possible and too often probable. In theory Williams words and many of your supporting arguments are right on the mark, but in practice in todays (corrupted, greedy) USA, there is a need for fairness in availability of health care and costs that only the government is able (and currently willing) to provide for the masses. Providing that vavailability and fairness does not reduce the USA automatically to socialism as so many of the beneficiaries of the current greedy, corrupt system want to espouse.