I understand the idea in theory but have a much harder time in practice to not want the government to take a final responsibility. If a child parents can't take care of them it make humanitarian sense that the government step in. We should not punish children because their parent won't take responsibility for the outcome of their own behavior.
Similar, I would want the government to step in and pay for healthcare when a victim get hit by a car driven by an uninsured driver. It is not fair to let the victim die just because someone else were unable to take responsibility for their own faults.
So to make a general theory, people should be responsible for their own actions when there is a high likelihood of repayment for wrong doing. For those things individual freedom is positive. For other actions which is irreversible and where individuals will sometimes be unable to take responsibility, and we expect the government to step in, then individual freedom may be balanced against risk.