> My reference to freedom is literal
Yes, and that's the problem.
If your options are "do what someone else wants you to do" or "die", that's not freedom. Literally not freedom. Whether you trust or don't trust the person, is completely irrelevant to the fact that your very survival is conditioned on obedience.
And sure, it does seem like somehow you arrive at the conclusion that people who can't pay for life-saving healthcare should have collective help.
But, in a way, not understanding what freedom is, is actually more fundamental than that. Even if people can pay for life-saving treatments, why is it acceptable that they would have to? In what context would it be acceptable to threaten to kill someone if they don't pay you a ransom?
Freedom does not exist if all the options are obviously terrible.