Oh, I agree, at least to a certain extent. Don't be so green and blue. We really are shirking responsibility. If your morality has responsiblity as the highest virtue, than it might be bad to have a nanny state, but there a serious advantages to having one, such as, as you point out, specialization.
The libertarian in me says it'd be ideal to have a third party, like an advocacy group, or a religion or whatever, taking that responsibility for those who need it while the government did the minimum against fraud and such. But as long as people don't realize they're Beyond the Reach of God, that's going to have problem of it's own.
http://thelastpsychiatrist.com/2012/09/the_nanny_state_didnt_show_up.html
Saw this and I thought it went so well with Beyond the Reach of God and Blue and Green on Regulation that I just had to post it here. It definitely articulates some of the frustrations I've had with people who break out in a rash of Libertarianism over one (on the surface) silly law being passed and reported on and then not:
A. Using the Principle of Charity to see what the opponent is really about. Even if it's silly, it shouldn't be *that* silly. See Policy Debates Should Not Appear to be One Sided.
B. Considering how it applies in the larger context. You should be free to buy big sodas but not [insert literally anything the government regulates here, which is a ton of stuff]. Why is this sillier than the other thing? See anything Less Wrong has written about the absurdity heuristic.
C. Thinking about your source of information, noting the feeling it's giving you, why it's giving you that feeling. Then realizing that it was specifically designed to give that feeling. If they did this, then dropping the line of thought or, deciding that they're so much smarter than the people in charge. *And then forgetting that the fact that they feel that was part of the plan of those who reported it, too.* Seriously, The Last Psychiatrist is great for that stuff.