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luinil said:
^And that is why you need a strong social network to help your friends and family. A strong community tied together is better than a government run system providing the funds.

Many old people don't have friends or family, and I'm sure that goes for a few seriously ill people too.

for example their is an old guy who live on my street called Derek. He never got married and never had any kids and outside of saying hello to the neighbors once in a while he doesn't have much interaction with people. He would have no-one who would pay his bills. I'm sure tens of thousands are people are in the same situation, whether their family died or they are hermits etc... Who pays then?

The sad thing is that I can actually think of maybe 10 people off the top of my head I know in this situation, and that's just the ones I know about.

--edit--

some people are just naturally don't like socialising in the community, they are just hardwired that way and you can't change them