But wouldn't it be excellent if these things were true?
If a company screws something up, I can just switch jobs and move to another company. If the government screws up, there is little I can do.
See: https://www.cnbc.com/2019/03/08/finlands-government-resigns-...
"Financial constraints are colliding with the healthcare costs imposed by Finland’s fast-aging population. But cutting those costs is a major political obstacle in a Nordic country that historically has provided an extensive -- and expensive -- healthcare system."
As a fellow tech worker who have been through the wringer many times, I can confirm this is absolutely true.
What happens when you can't take care of yourself? What happens when a series of unfortunate events interfere with your ability to dig those holes? Who then will be responsible for you?
You mentioned you have a problem with socialism, have you experienced and lived in socialism? I haven't and have no actual experience of what is good or bad about it. Do you have any concrete examples of why socialism is bad?