So you only want to deal with the morality of the issue? A service is provided, it's your responsibility to pay for it.
So, by your logic, someone crashing into another car and being responsible, then paying for the damage through an insurance company, that is a service?
Liability insurance is a "service" provided by insurance companies. Otherwise, every driver would have to have about thirty grand in the bank when he or she even got behind the wheel. Not only that, but said driver would have to have that income to devote solely to auto accidents. Is that correct?
You really are confusing the freeloader issue. What you don't understand is that everyone is already in the system. No industrialized nation on the face of the planet is going to deny emergency care. You simply aren't addressing that issue. (Don't get angry and make some flippant comment, that's the state of the world today.)