You're either lying, or you made some horrendously poor decisions. Why buy a care that can "only use premium" gasoline? Why live 55 miles away from your school? If your case is accurate, which it very well may be, then you are an extreme, and it s unfair for you to compare your abve averagel fuel costs to average insurance costs.
Why do you think certain people in socialised systems are given long wait times? It's because their illness is not critical and a poor use of resources. If you live in Sweden and you go to the ER over a cold or sinus problem, you will have to wait while the MI patient is seen, then the car wreck, then the gunshot, the pregnant woman with pre-term cramps, and on and on, and even then you may just be told to go home. This is why home remedies are so popular in the UK and other countries. They know that their condition isn't bad enough to warrant a trip to the hospital, so why bother?
In America, you still have to wait some time, but you will most likely see a physician who will give you some sort of treatment, thus soaking up time and resources better spent elsewhere.