You also can't rely on charity and the community. Just look at people who crowd fund for operations, etc. that biases to people who are attractive, young, outgoing, etc. I don't want anything to do with a church based charity personally and I'd feel embarrassed begging for money, I would not want to rely on such a corrupt institution with their ulterior motives. It's much more practical to centralise the costs of looking after the poor, if you look at the US they pay more per person than pretty much any country on healthcare yet it's ineffective and expensive because of everyone clipping the ticket.
People also don't use misery to buy votes. Here in NZ even the most right wing party wouldn't dream of going to private healthcare. Different parties do have different priorities and because it's a proportionate system with multiple parties in government it's a better reflection on the will of the people. I think one of the biggest problems that you have is that you've got a pretty broken democracy where the majority don't get a say and even if they did you're restricted to two parties and their policies, there's no compromise or grey area it's an all or nothing approach.