The problem with this is that neither retirement nor health insurance has a guaranteed quality level, if the government reaches a slump or decides to refocus on

The problem with this is that neither retirement nor health insurance has a guaranteed quality level, if the government reaches a slump or decides to refocus on other things, you can't get a refund/reinvest. If I look at my governmental retirement projections, although i have been working and paying into it since age 20 it's depressing how little inflation adjusted retirement money I'll receive, although I earn a good tech-salary for our region. Same with healthcare, in my city, Frankfurt/Germany, it's very hard to find a cardiologist that accepts patients that are publicly insured and even then the wait times can be scary for this type of situation. Hospitals have started rejecting patients that want to circumvent this by going to the emergency room. The biggest issue for me is one of age-restriction. I'm fairly certain that my possibilities to earn this much more elsewhere will shrink over time and then I won't have a comparable cushion my US counterpart could have built, although we do the same thing. That is the equation that keeps me up at night at the moment.