That's a brilliantly well thought out assessment and I agree wholeheartedly. I think there is a lot of confusion over the concept of universal health-care.
Health-care insurance by definition is designed to pool risk to cover things that may or may not happen such as a car accident or the need for a major surgery. It was never intended to cover regular hospital visits or chronic diseases.
The idea that people should have access to regular hospital visits is something that can be explored, but we shouldn't confuse that with insurance when the two are incompatible.
In addition I think any system should have clear exemptions for lifestyle choices, studies indicated half off all health problems in the united states today are related to lifestyle choices, obesity and smoking being two of the most obvious.