You're still relying on the government for it, or a similar institution.

Paying for your own health insurance is insane. I would move out of any country that would force me to do that.

A pension is an earned benefit, part of one's pay package, not a free goodie. Welfare is a free goodie. It's a big difference.

Your "free" health care is paid for by you and others. It's so expensive because of that. Healthcare wasn't particularly expensive before the government got involved in it.

Modern governments do indeed treat the citizens like children.