The burden of social obligations, or giving beyond your means

Every evening, people in Nairobi gather at Garden Square Restaurant, All Saints Cathedral, St Andrews, and several other venues to fundraise for either deceased or sick relatives.
While other countries mitigate such problems with insurance, in Africa insurance is meant for the young.
While I sympathise with genuine problems and will go to great lengths to help, I detest the socialisation of self-inflicted problems.
Just like Franklin Roosevelt, the Obama administration took a bold step to provide universal health insurance (which many considered socialist) for all Americans, in spite of the country being the bastion of capitalism.