The point is that there exist cracks in that many people will fall through and society at large doesn't even know that they are there; society as a whole is in denial about the problem because they can look at utterly dysfunctional systems like the US and and say "we're so much better here". Part of the problem is that many of those who are aware of the problem blame the individuals themselves for falling through the cracks in the system (like you do, based on some notion of 'choice'). One possible solution (it seems you agree with me here), is to remove the division between public and private systems. The first step ist to accept the existence of a problem instead of denying it (blaming individuals is a form of denying systemic issues).
I was commenting on a specific point made by the parent comment. It's pretty far fetched I'm in denial of the root issue when I even mentioned the real solution which you're agreeing with.
So while I get your sentiment you're really arguing against the wrong person here.
Besides that in my opinion there is a significant difference between "falling through the cracks" and making wrong decisions poorer people aren't even allowed to make - and then wanting those poorer people pay for your errors.
