You’re missing the vital framing. You’re welcome to strawman the strawman but the respond with yet a third: “I’m not able to pay for it and will die as a result”. I’d prefer to live in a society where we avoid as many situations like that as possible. It’s the primary purpose of a government and a nation. Solving the problems of aggregating the required parts? Again it’s why we work together and it’s the point of government to solve that problem.

Good regulation doesn’t completely avoid market mechanisms it tries to tame the more brutal ones in order to maximize return to society. The roads argument is important because without roads we do not have any trade. So by collectively and somewhat proportionally, to use and income, managing the cost of road it makes everything else the market does possible.