The flaw in the analogy is that people down south don't want you to be screwed when you need health care, they help with that anyway. What they don't want is to not have it for anyone, which is on the horizon, unless you can pay in cash.
My wife has been in the medical field for 20 plus years, and is currently in a group of doctors of about 30. Many of them have already started charging their patients a fee for remaining their doctor, upwards to about a thousand a year per person, and kicking to the road patients that can't pay. Those people are not all going to be able to find another doctor, especially if they are on medicare. Most doctors can't survive on medicare patients it pays so little. In her office they have to average $95 per patient just to break even, medicare pays about $25 on average.
When Obamacare drives out the insurance companies, which is coming if the current law is not repealed, you will only be able to get a new government supplied health insurance similar to medicare. When that happens, and trust me doctors are already talking about it, cash for care businesses are going to flourish, and getting care with your "new" insurance is going to be long and substandard at best. Only people with lots of money are going to get quality care. If you think these things are happening behind the scenes, you need to rethink your position. Most doctors now are already having patients sign a form stating they will now pay above what insurance companies will for services, meaning you are going to have to pick up the slack out of your pocket. They know what is coming and none of it is good. In the end, we are ones that are going to pay for it.
To the original question, one of the biggest issues we have today is personal responsibility, selfishness and laziness. We want everything, don't want to work to get it, and blame everyone else when something happens. And we are so offended at everything that nothing gets done.
To put this in a GRM related analogy...it's like we buy a project car, sit on our fat butts drinking beer, and get pissed off when it doesn't get done. We start an activist committee to get the government to supply us with funding and workers, and when someone calls it a piece of crap, we get so offended that we sue them and demand a public apology.
In the end, the government declares that it is unfair that you have such a piece of crap and other people have nicer cars, so they tax the others until all they can afford is a piece of crap just like yours, and you are awarded several million dollars because you were so hurt from the comments of others. Of course by this time, inflation has devalued your money, and taxes have gone up to the point that all you can still afford is the same piece of crap.
So in the end your beer costs so much more you can barely afford it, you still have the same unfinished project, and you couldn't find a doctor to treat you when cut yourself on a piece of scrap metal while walking around your garage since your new medical insurance is like confederate money.
Clearly the correct answer to this question would have been to buy a Miata in the first place and you could have been driving it instead of sitting around drinking beer in your garage!