Non-welfare states also have infrastructure, so no worry about that.

You know that there's more to the German social insurance system than public health insurance that you profit from now or later.

So it's just lame to frame it like that's the only thing.

Literally "Who would build the roads" lmao

Nah, there's much more than roads in a welfare state.

There's a nationwide pension fund, unemployment "insurance", long-term care insurance and what not. All of this is cross-financed in a mix by everybody who's paying into it.

Also: Lots of people switch from private health insurance back to public health insurance once they get old, because then costs are rising. A welfare state also supports those who have "suddenly" become poor so they had to make that switch... ;-)