“This would be great, in theory. The reality is that people would live on it and never work, have kids, and the same thing would happen with a new generation. As it expands, you run out of tax payers and the system collapses.”

Are there historical or contemporary examples of this? I googled but couldn’t find any specifics.

The reason I ask is that I in the US, employer-provided health insurance is a large expense for businesses. And anecdotally, I’ve never spoken to any US small business owner that feels that choosing employee insurance plans is a real competitive advantage. But perhaps the historical/contemporary alternatives are worse?