[TotempaaltJ]

I don't necessarily want to add or take away from your point, but I do want to note that I believe this is false:

> People around you by and large no longer think it's their duty to help.

GoFundMe raises about $650 million for medical costs each year[0]. That's just one little thing, I suppose, but there are many, many NGOs, charities, religious institutions and unaffiliated individuals providing personal care inside their communities and outside. There's plenty of care that /cannot be provided/ by these organisations, and was not provided in the past by private charities either. Neither could provide cancer treatment or cure a patient with major injuries from a car accident. That's a job for institutionalized healthcare.

[0]: https://en.wikipedia.org/wiki/GoFundMe#Medical_fundraising