The immoral fraud of claiming moral hazard in universal healthcare

The Right and Libertarians would have it that it's immoral and socialistic (not that Trump's ties to Russia seem to have bothered them much) to have universal healthcare.  That is, it's OK to have police and firefighters and armed forces that protect everyone and that taxes pay for, BUT not universal health care.  "Because moral hazard", because it's wrong for someone (or their hapless children) to get something they didn't pay/insure for.  And a lot of people who have little or no health insurance accept that because they believe in the American ideal of self-reliance. Until, of course, they or a loved one falls sick, then, as one person put, it becomes something entirely different, it becomes:

someone's mother coughing blood. Or a father groaning in pain and yelling behind a closed door. It means parents or other family members arguing because after one of them missed a promotion at work -- because of all the time spent taking care of a loved one. It means slammed doors. It means missed dinners. Most of all, it means a child somewhere, in some inconsequential town, crying, heaving sobs into his pillow, because his parent is going to die. Another child sitting in stunned silence in class, not listening to a word the teacher says.
http://talkingpointsmemo.com/edblog/no-words--5

Never mind that just like other civil services, universal healthcare makes for a more civil, prosperous society, if a few millions less for the fatcats.

Positing moral hazard to deny universal health care has just felt wrong, even fraudulent, to me; I recently realized why.

I come from three generations of doctors, and it was only when my father was training at Yale Medical that the first antibiotic, sulfa (not seen of much worth today, but a miracle then), came into medicine, and shortly thereafter, when he was a doctor in a WW II M.A.S.H., penicillin.  Magic bullets, no mistake; before then, medicine was a calling and a hazardous one: you were on the front lines fighting deadly and hideously contagious diseases...that could and did kill doctors and nurses. Doctors were respected because they battled for life with guts and precious little effective treatment or drugs. My father's much beloved younger brother took a month to die slowly of a bone infection that amoxicillin could have cured in days; his father, an eye, ear, nose and throat doctor trained in Vienna could do nothing but watch him die by inches.
Doctors made a comfortable living and could even get a bit rich, but above all, they were respected for their work in a way that few men other than clergy were. Healing people was a calling, a difficult and uncertain battle.  Yes, there were venal and incompetent doctors; we'll always have those in every line of work. But medicine was first about saving lives, healing broken and diseased bodies.

The miracle drugs (and later, diagnostic tests and a growing understanding of biology and genetics) changed all that.  Medicine became less an art and devotion, more a science of crank-turning procedures, and, alas, a business.  Along with that growing success, doctors became technicians delivering a commodity...and now were sued, where they never had been before. Also, HMOs began to direct and regiment the practice of medicine. My father's practice fell between those two watermarks, between antibiotics and medicine-as-a-business. Dad treated one farmer's wife with a chronic condition that required periodic and expensive care that the farmer could ill afford.  Dad worked out a barter: my brother and I had a few days at the farm yearly in return for his wife's care...and so it was that I, a city kid, had the experience of getting fresh warm eggs from a small hen-house, playing hide-and-seek in a hayloft,  and picking up baby lambs and having them shit on my snowsuit.

We have an economy that knows the costs of medicine (and how much we can 'afford') but nothing of its value and aspirations.  I remember being confounded and outraged when the very idea, all bright and shiny and new, of for-profit medicine burst on the scene.  Obscene and immoral I thought it then; now it is the new normal....along with tightening the screws for ever more profit.  Medicine is a calling no more: now its high priests are CEOs who worship profit and bonuses, with doctors their employees on the treadmill of "managed health".

When a hurricane hits the shore, an earthquake levels our world into rubble, when a river rises...when natural disaster wipes out communities, lives and livings, our people and our government help.  Why should it be any different with medicine?  The concept of moral hazard is an immoral fraud...and against the teaching of all religions, other than those of Ayn Rand.   The injunctions are clear: heal the sick, feed the hungry, clothe and house the needy.  Moral hazard is simply a brutal justification for ignoring the sick, hungry and needy.

And for those who think themselves Christians...and are Libertarian or conservative or who just think universal health care is a moral hazard, I have a question for you: Doesn't that give the lie to your faith? 
Did Jesus not pay the price for your salvation when He freely offered up his life on the cross to pay for your sins?
No, He did it for love, love of the whole world; He paid for all and counted not the cost
Where would you be if God had withheld His mercy and sighed "Moral Hazard".
Are you truly following in Jesus' footsteps?

Moral hazard brings this to mind:

"The modern conservative is engaged in one of man's oldest exercises in moral philosophy; that is, the search for a superior moral justification for selfishness."
- J.K. Galbraith