Yes, Medicare is a flaw. The government has no right to take money from me and use it to treat people that didn't have the foresight to make arrangements, nor the social support network to care for them in the event they were unable.
Yes, people should STFU and take care of themselves. Medicare is, frankly, socialist, and if you haven't noticed nostalgiphile, the USA isn't; at least, it wasn't intended to be, though some seem hell bent on making it thus.
Your health is not my problem. I should not be forced to pay for it. I may be appealed to to do so, but being compelled to do so is as odious as seat belt laws.
You can't seem to see, or worse you may embrace, that the direct result of tax supported health care is the enforced mitigation of health risks on a supposedly free society.
I am forced to pay for the health care of others, because it is somehow the "right" thing for me to do with the money I earn, and then I am forced to "be safe" not only to try and reduce this unfair tax burden but also to make some attempt to ensure that I continue to survive and pay into the system rather than collect from it.
Your flaw is in assuming that somehow the government has interests other than those of the corporations, when in fact, both operate on entirely the same self serving principals.
The difference is that, in business, being self serving is noble, while in government it is repugnant. Corporations exist solely to make a profit, and it is the duty of consumers to decide through their purchasing power if any corporation goes too far in pursuit of that goal at the expense of other concerns.
Government on the other hand exists solely to serve the people it governs; to provide for their collective defense, and to protect their collective interests.
In the case of either system failing, the blame lies entirely on the citizens, as voters and consumers. These systems exist and operate entirely at the sufferance of the citizenry.
In some cases of course government does need to play a role, such as environmentally, because being reactionary (boycotting a polluter, for instance) cannot undo the substantial damage that can be done; prevention is the only course of action.
For the record I am not a "right wing religious nut." In fact, I am agnostic, and I favor a economically conservative but socially liberal platform.