I'm afraid you misunderstand completely.
You seem to understand how money is life when it comes to the money you need to save yourself from whatever fate you lung problem implies. Somehow you fail to see how money is life to the rest of us, too. Our money represents the hours of our lives we've spent working, so that we can have the things we need to stay alive. It represents the things we need now, or will need in the future, to fight off our own medical problems, and to provide for all of the other needs in our daily lives.
Money is life in a very real way. You acknowledge that fact when you take our money to save your life, acknowledge it in action if not in word. What you fail to recognize is that we deserve life as much as you do. By taking it from us you are literally diminishing our lives to elevate yours. Even if you have no moral problem with that, we might.
That brings us to the basic question of who deserves life/money more, you or me? If you claim the right to take my money and/or my life, then I'll claim the right to A) not let you, even if that means you dying, and B) take yours from you just as you're trying to do to me. You don't get to harm me and claim the moral high ground for doing so.
As for costly treatments, that's why so many of us work hard to buy insurance, so that if we ever need a treatment that would be financially ruinous, we may get that treatment and not be ruined. There's no need to take from anyone to get proper medical treatment, even the expensive stuff.
Of course, if there are folks like you taking our money from us at every turn, it tends to limit our ability to acquire the insurance coverage (among other things) we need to stay alive. See how that works? Give me a good reason why we should put up with it.