Once upon a time, there was a Facile Libertarian who loved Freedom. He loved Freedom almost as much as he loved his motorcycle, which means he loved Freedom very, very much.
One day the Facile Libertarian was riding his motorcycle very, very fast without a helmet and without any health insurance. While he was riding, he met a Sensible Person. The Sensible Person said, "Say, Facile Libertarian, a helmet would make you safer!" But the Facile Libertarian said that a helmet would Stifle his Freedom, called the Sensible Person a Derogatory Name, and rode on.
A little farther on, the Facile Libertarian met an Actuary. The Actuary said, "Say, Facile Libertarian, shouldn't you have Health Insurance? Medical expenses can be Expensive, you know?" The Facile Libertarian said, "I don't need Health Insurance; I pay cash for my healthcare!" and rode on.
A little farther along, the Facile Libertarian met a Traffic Engineer. The Traffic Engineer said, "Say, Facile Libertarian, you're going faster than is safe for this road; you should slow down!" But the Facile Libertarian told the Traffic Engineer, "I'm the only one who suffers if I crash, so I'll go as fast as I want!" and rode on, faster than ever.
Down the road, the Facile Libertarian met a Liberal Politician. The Liberal Politician said he wanted to make everyone ride their motorcycles at safe speeds, wear helmets, and carry medical insurance, so they wouldn't be a burden to others if they were Seriously Injured. But the Facile Libertarian just laughed, called the Liberal Politician a Commie-Loving Libtard, wrote a Snarky Tweet with a #tcot hashtag on his iPhone, and sped away.
Finally, the Facile Libertarian met a Patch of Gravel. His motorcycle's wheels hated the Patch of Gravel even more than the Facile Libertarian loved Freedom. His motorcycle fell over, and the Facile Libertarian slid Headfirst into a Tree, which Crunched his Skull a little.
An ambulance paid for with Other People's Taxes took the Facile Libertarian to the Hospital. The Surgeon, who had been well educated at Public Universities, said he could save the Facile Libertarian's life. However, a Hospital Administrator came into the room and said that the Facile Libertarian's medical care would cost Many Tens of Thousands of Dollars.
"What?" said the Facile Libertarian. "I don't have that much money, and I have no insurance!" So the Hospital Administrator let the Facile Libertarian die, because the Hospital Administrator was a Libertarian, too, and a Libertarian With Principles to boot. And no one cried very much.