I agree with everything you just said except the last part "needs to come from a national insurance for everyone."
While I do agree there is a problem that needs solving both with healthcare and struggling families in general, I do not agree this is the solution. As someone who has spent much of his adult life expierncing universal health care as well as American healthcare I can honestly say I wouldnt wish either of these on my worst enemy, no I dont see **that** as the solution.
Would be happy to discuss what I think are good solutions, but I also dont want to derail the convo if no one is interested in that topic.