Right now there is someone who requires immediate medical care. That care will only be provided for payment. That someone has no money to pay it. You do. Are you not morally obligated to ensure that they receive the care they need?
Why would anyone be morally obligated? Not saying that people are not morally obligated but think about this. You say the person has no money to pay. Too bad for the bloated healthcare insitution. What you are really saying is, why does someone have a problem taking the healthcare institutions off the hook for what they should do and write off?
To answer you OP question, I don't have a huge problem helping people out, but I see how some have worked and I know how I busted my ass and it makes me a little jealous that they can help themselves to my money.