It seems that you oppose the entire concept of insurance, then. The idea is to pool resources and thereby pool risks. Those risks, of course, are affected by choices or by plain bad luck (which is really another kind of choice, anyway).
If your value is system is such that “I got mine and to hell with you – unless I choose to lavish my largesse on you”, then we probably don’t have much in common. That’s not a life that I choose to live.
It seems to me entirely reasonable that, living in a civilized society, each of us can contribute a portion of our wealth to insure the well-being of everyone. The rest of the modern world does it. It’s time for us to step forward and care for our fellow citizens. It’s cheaper. It’s more effective. It’s the right thing to do.