A Universal Question

Let's say you live on a small island with a few dozen other people. There is a doctor on this island. One day you find you need medical treatment but you cannot immediately afford his fees. You can afford to pay the local thug who is known to be more than happy to coerce people into doing his bidding. So you:

A: Dictatorship: Hire the thug to coerce the doctor into treating you and/or hire the thug to coerce other islanders into giving you money so that you can afford the treatment.
B: Capitalism: Get together voluntarily with other islanders to create a fund to help each other out in the event that someone can't pay the doctor's fees.
C: Democracy: Get a majority of the islanders to vote to hire the thug to coerce everyone into paying the thug to coerce everyone into paying into a fund to pay the doctor's fees.

Does Democracy legitimize coercion? Leftists and Rightists alike say yes. Good luck with the enslavement. Y'all have been doing really well so far.

Which one of these best matches how Universal Healthcare Blah Blah Fishcakes would be funded?