Completely agree Conrad,
In that regard I am actually a hopeless naïve socialist myself.
Sometimes as diabetic we just stumble into some of the hard corners of 'the system' where counter-productive incentives are in place for the bureaucrats to govern by.
I wouldn't regard me as a socialist if I were you - naive or otherwise.
The principle of universal healthcare supported by the 'masses' paying a small contribution is no different from that of the car insurance, home insurance or insulin pump insurance market - all derive from the principle of many paying into a 'pool' or 'large pot' (or whatever you wish to call it) in order that the occasional claim is paid out.
The problem facing the NHS today is sheer volume of 'claims' caused by a great many differing factors, including smoking, high-sugar content foods (including so-called healthy cereals, like All Bran, Bran Flakes, etc.) and town and transport planning that are driving up health issues like obesity, arteriosclerosis, heart disease, etc.
Until we ban smoking completely from the shores of the UK, until we apply punitive taxes to high-sugared foods, until we stop building rabbit-hutched sized houses in cramped quarters with little thought to enabling people to walk/cycle safely to schools, shops, health clinics, entertainment zones, places of work, etc., we will continue to see the growth of UK waistlines and other ailments inline with those in the USA.