The increase in healthcare costs is more a function of an aging population, rather than people (mis)using ambulances too much. However in these countries, although the rates are fairly low, misuse of ambulances is often heavily linked to poor levels of health literacy or lack of transportation options - though the caller often genuinely perceives it as an emergency - both of which can be improved through other programs such as education and public transport provisions. It’s almost as if providing good public education and transportation makes the population more productive and less wasteful.
I refuse to play these games. If you wish to make the argument that universal healthcare (including cheap or free ambulance coverage at point of use) necessarily leads to financial ruin you are free to make that argument, along with all the necessary support such a position requires. If you do not wish to do so, then I have no issues and thus decline to make any argument otherwise.
I am not obligated to make your argument for you, and I am not inclined to calibrate your motte-and-bailey merely because you feel like interjecting your support for a position you would call a strawman when called out.
No, I just don't see any point in debating anything when you presumably agree that nobody is being bankrupted by free ambulance rides given that you called it a strawman. If you wish to defend what you called a strawman, which I didn't think people normally did in good faith but could be convinced otherwise, then I am willing to let you set the definitions you wish and make a case, as is standard for those instigating a discussion, while reserving the right to decline further participation if my disagreement with the position is below a certain threshold and/or any other reason I might find the discussion unproductive.