> But this is the problem with capitalism and health care, the providers just stop if there's not enough money in it for them.
That's precisely the question, isn't it? In the case of medical treatment, you decide. Do you want to run a test if it costs you $500? What if it's $50,000,000? Or, in practice, you decide ahead of time by choosing how much insurance to carry, and then it's the premiums on insurance that would cover $50M tests that probably isn't worth it to you.
You might then have concerns about people who can't afford a reasonable amount of insurance, but that's a question of whether the government should provide insurance subsidies to the poor, not a question of who decides how much is worth having. Do you even want someone other than yourself deciding the most that can be spent on saving your life?
> What's the RoE on the military or poetry, for example?
Defense and copyright are tragedy of the commons. Everybody wants there to be a military force to fend off invaders but the benefits redound to everyone, including people who don't pay. People have the incentive not to pay as long as someone else is covering the cost, but then since everyone has that incentive it would end up under-funded. As a result there is a law requiring everyone to pay.
The way things like that ought to work is that there should have to be a separate vote by the general public in order to increase the budget for that specific department. Then bloated budgets get voted down because the public can see when they're excessive.
Medical facilities aren't a tragedy of the commons. You pay for one if you need it and if there are enough people who need one to pay for it to exist, it does. If there aren't, by what reasoning should it? The people paying are the same people using it and they don't value it by as much as it costs.