Virtually every rich country except America manages to provide “free at point of use” healthcare because of government intervention. And of note, if you’re not happy with what the government provides in most of these countries, you can usually top up to gold-plated health care at a fraction of the cost in the US. Last I checked, the US also managed to do this just fine where it has to: the VHA spends about as much as the NHS does and also gets excellent outcomes.
Talking about “the Canadian experience” seems strange to me: don’t each of the provinces/territories do it differently? The Manitobans in my family seem very happy with the provision they get. Regardless, 75% of Canadians are “proud” of Canadian health provision[0].
Most rich countries (that aren’t America) also have essentially instant and free transfers between bank accounts … because either the government intervened or threatened to intervene.
0: https://biv.com/article/2020/08/covid-19-crisis-has-failed-e...