Muslims need to adapt thinking. At the time of prophet and sahabas we didnt have bypass surgeries, transplant surgeries, pharmaceutical drugs, big hospitals, MRI's and nuclear medicine, laboratories and I can go on and on. Basically there was no health costs. Now a common routine bypass surgery will cost GBP 20,000 in UK out-of-pocket. If we want best health for Muslims we have to fund public hospitals which provide free health care for its citizens. Health is not something a Muslim should pay for and private health care is unethical in most settings especially where poverty flourishes. Private health care is profit making motive in most instances. Additionally most public hospitals in the west are for a fact much much better than private ones. The common practice in the west that if you get very sick and you have private insurance even then you wont be taken to a private hospital - you will go to a public one and most likely stay there until you are out of the critical stage. Why because only a centralized fund can pay for the best and most expensive facilities. This is just one example of modern civilization. We need to adapt thinking. University costs are also exorbitant if not funded by government. A medical student will accumulate a debt of nearly US$ 250,000 or more without interest charges. One physician calculate with interest and usury that the debt rises to a total of $607,000 at the end of repayment. So what I am saying is that we live in very different times as compared to the prophet and sahaba. Even the last Muslim government system of the ottomans - we cannot fathom the costs of modern civilization aspects like health care and education today.