I totally agree with you! 

I cannot wait until you are having a heart attack and the doctor makes you sign over your house before he treats you.

I am not even going to try to explain to your tiny little ideologically addled brain about how you are ignoring economic principles like market failure and information asymmetries. This is not a stable equilibrium where the price reflects the need to invest in infrastructure or other such factors that necessarily increase the cost of providing the goods. 

Your implication that not only is this an "economic" issue but somehow painting these individuals as somehow morally superior is simply breathtaking in its complete capture of the meaning of morality.