> Lots of children in bad households have made out to be ok, and plenty of children with well-off families.

And many of those children in bad households have been able to get where they are due to being helped by the state, which you do not want. So what do they do? Just die? If you don't give a concrete solution, that will be the outcome. Remember that we're talking about basic needs like food and shelter - a child can't do much about not having these available.

> Disabilities birth/young age is act of "god". It's perfectly fine to take care of them. However they only account 1-2% of the population.

Okay, then please explain to me what central entity should help these people, if it's not the state. As I previously said, what if all private insurance doesn't take these people on for free? What do they do except die?

> Death due to Missing Coverage is overrated. All Emergency Units take in patients and most exaggerated medical bill people actually don't pay the said bill

I am not solely talking about health insurance. You stated that you want to solve food and housing problems with similar insurance. Why would these private insurance companies give coverage to those who can't afford it? Please don't handwave this point away.