We call that growing up.
The non defecating detective springs to mind here, as what do you think most people in society do, especially once they have hit adulthood/self responsibility. Most are not given golden spoons/trust funds, etc.
We call that saving for a rainy day. Guess what, it is going to rain, and socialized medicine certainly doesn't cover everything, even thought that is your pet peeve. What would happen, if for instance, you because disabled because a building fell on you. If socialized medicine took care of your physical needs, that still leaves other needs.
You are actually beginning to "get things" that others have tried to explain to you in posts over the years, that you either glossed over, or somehow couldn't grasp.