I agree with payments. People overuse the NHS massively - they go to their GP demand antibiotics - get told it's viral, disagree, got to A&E, get told it's viral, call 111 and lie about symptoms - get OOH who can't see or examine them and finally get what they want. Next day they call GP again and say antibiotics aren't working - because it's XXXX viral!!! and so on it goes.
There is an excellent NHS website which gives clear information on where to go and what the red flags for most common illnesses. People utterly ignore it and instead respond to constant media scare stories to assume the most minor of symptoms must be serious.
Mumsnet does this all the time 'go with your gut, check it out, ignore the Dr, get a second opinion' - if you don't trust trained HCPs then don't waste their time - just treat yourself with crystals or something.
What everyone should be doing is using the St John's ambulance FREE first aid resources to develop basic first aid skills. This is an adult responsibility to have these basic life skills.
Everyone should pay something. I think this should be related to their income standard/low income/unwaged - different charges. Having groups who don't pay mean groups that have no incentive not to overuse - and they do.
Those saying people are going to die are being hyperbolic - paying some level of co-pay is normal in most western countries and they are not dying more than we are here - they are dying less.
Look after yourself as much as you can, use the free resources available to inform yourself and be prepared to pay for the resources that you use.
Rant over.