This is a very bad faith take on what groups opposed are saying and I don't even agree with them. You don't need to do this to effectively argue against this stance.
[0]https://www.bostonreview.net/articles/jonathan-m-metzl-dying...
Tying into personal experience. When I paid for my mom's knee surgery which left her wheelchair-bound for 2 months afterward, I had many proudly conservative family members ask me why I would do that. The knee surgery was to help with damage done from obesity (which she had beat before the surgery and is now at a healthy weight). I was told that I was rewarding her "bad" behavior. That she needed to suffer the consequences of her actions. That her health is not my responsibility.
All of those statements reflect my earlier statement of American individualism and our belief that these issues are moral failings, rather than societal failings. This individualism runs so deep in our society that a son is chastised for helping his mother.
I think the rest of your point, about Americans in general not trusting the government to do things efficiently or competently, is true though.