If I were to pretend to be gay, that isn’t something that I can just wash off and tell those who know me and saw me, that I was just pretending, it was just an experiment. Sure you’re not a homosexual. Having had that thought, I realized that within my inner emotional core, not only do I not agree with homosexuality, I still despise it in a way that I would not want there to be any connection between my personal character and it.
But the ironic thing is that private insurance also works through "freeloading": you pay your premiums so that somebody else in the insurance pool can get treatment. It's just that some people prefer their intermediary be a private company which will also skim profits off top than their government.