My father was on sick leave for six months waiting for surgery. When he finally reached the start of the queue and got the operation he was back at work the week after, again becoming a taxpayer. Of course it pays to have working healthcare. And it even pays more to have a healthcare system which gets more people back to work as quick as possible. That's so short from "directly monetary" that I don't see the difference.

They provide a monetary return.

Could you prove this? Specially education. It seems to me that educated communities bring investments of sectors that need some specific skills.