So, nothing ever happens to you?
My mother recently severely burned her right hand inthe kitchen, manipulating paraffine; now she depends on others for tasks she took here entire life for granted.
And we are thankful for living in Belgium where the health care is considered the best in the world. She doesn't need to stay at the hospital but gets the visit of a nurse every day to change her bandage.
I went through major jaw surgery after a lengthy orthondontic treatment, 2 years
ago. Here, again, I'm thankful for living in Belgium.
Years ago, an American friend of my parents sold his entire pension before retiring from his US firm, in order to save his business. He failed, had absolutely nothing left and instead of retiring, my father offered him a job as a secretary in a Belgo-American club.
He got ill and died several years ago, alone and in a very small appartment.
If you work in Belgium, you cannot sell your pension because you can't get it until it's time.
Nobody can pretend never to need the help of doctors, nurses; nobody can pretend being able to expect every potential problem and be properly insured in every case.
And about the immigrants: one good reason to welcome them is that they constitute the future workforce: their jobs will help finance the retirement of the shrinking number of Europeans; otherwise, we're faced with an evergrowing older population.

Raoul