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@ChrisMayLA6 the most effective funding system is called taxation, it ensures everyone pays according to their ability to pay. Every other way is less effective, though social insurance, based on a fixed percentage of your income extracted at source, comes close as though it pays and independent body to fund the service, a bit like student loans, it is simply relabeled taxation, with an added profit/cost load applied.
It's the false mantra "Private good, Public bad" again, Police and Army next.