The Ludic fallacy refers to making predictions based on past events, even though the probability of future outcomes includes variables not contained in the past dataset.
I think this attitude of "healthcare is expensive, deal" is particularly dangerous because of how insidiously defeatist it is. You start thinking nothing can ever improve healthcare, so why bother paying for research into improving healthcare, so healthcare doesn't improve. Universal healthcare is socialist and evil and doesn't work, and nobody ever solved problems by increasing the size of the public sector and funding research through the public sector...
To which I say: BULLSHIT! This is the very fundamental problem that we face. The private sector has no reason to decrease the cost of healthcare when they can just pump up their profits instead. Or, at least, they'll have no incentive to do so until healthcare is rationed. Or they'll start to have an incentive to be cheaper when people can no longer afford insurance. Either of those scenarios is not pretty, and will have a nasty transition period where people cannot get the care they need while the private sector figures out how to do things cheaper.
The public funds fire departments because structures burning, even private homes, is bad for society. If your house burns you become a burden on your neighbors or on the community, you can't be productive in the economy, etc. Why is it so hard, then, to see the parallels with healthcare? Healthy people are as or more beneficial to society as people with homes! If we can protect people's homes, why can't we protect their health?!?
Now it is certainly true that we'll be in less trouble if the economy grows faster than the hole being dug, but a hole is still being dug. If things improve it would be in spite of, not because of, the indebtedness being incurred. Again, the luddite fallacy is not applicable.
It is also certainly true (and proven over the centuries) that investment of capital accumulated through deferred consumption can, when applied toward improvements in technology, yield productivity gains, thereby improving the balance sheet of the inventor and the living standards of the common man. Such gains will emerge from the market, revealing what works and what doesn't, and in not working will free that capital to be put to more productive ends. It's not at all clear to me that a debt-funded, politically-allocated system will yield better outcomes.