So logically, mathematically, in a vacuum, sure.

In a world you share with other humans, not so much.

Let's say you are in a freak accident, and are paralyzed. Will you commit to only getting the care you can actually pay for by your own earnings for the rest of your life?

And how do you bootstrap yourself out of the hundreds of thousands in medical debt for the lifesaving care you get before you even get home?

A lot of things happen around this planet because we care for each other, and we help each other. Sorry you can't see that.