Insurance is also voluntary - you can opt in/out and shop around. We have that too. I think you're proposing some mandatory "I make bad decisions" insurance that we all have to pay into. No thanks, I'll opt out.
Insurance can be voluntary or not. In any case, it is voluntary here. We're a democracy and chose this because it's good for us. We can also shop around. In contrast to the US though, ours is affordable for every resident.
