"Wrong. Organization X cannot keep its debts separate from its income. It IS all one pile of money."
No, unless you are saying that all sources of income are equal, which they are not. If it is one pile of money, then they would not charge extra for extra services, instead they have seperate charges for seperate services. To you, maybe, you see just one fund, but internally they would be balancing incoming funds for a certain service with the payments in that field (otherwise they are overcharging BASIC cover to cover these extra services which makes them uncompetative in the market).
I am amazed at just how badly polarised you see community and individuality. A community still has varying forms of input and output, and you are trying to make it as basic as possible and then complaining about it being so basic. Any collective is not equal (see, I am not a socialist in the traditional sense!) and you can not always look at direct investment or return because it is more complex than that.
Furthermore, there are many more personal actions that drain insurance funds (such as Smoking, drinking) so under your ideology, I would be more upset about this drain on funds I provide than the small portion abortion would be using. The only way you would be happy, is finding the same group of people with the same medical conditions as you, to join a community fund OR to setup individual costs for each service based on the costs for providing those services (ie, smokers pay an excess, people seeking additional services such as dental would be paying for inclusion in that pool, and so on). If you are seriously joining a medical fund that is not setup in this fashion, then you should really be shopping around.
I give your invention the worst score imaginable. An A minus MINUS!
~Wornstrum~