Unlike a child, I recognize that others do make legitimate claims upon me. Many of which I don't get to choose. The position that people should not receive the medical treatment they need due to not having enough money in their bank accounts is a monstrous idea. It's anti-life, it's anti-human. It's worse than arguing that they should not receive police protection because they lack enough money in their bank accounts. An obligation I have as a person who chooses to live in civilized society is that I at least partially subsidize them. I therefore reject the fantasy that I am some sort of island in society and that the only claims I may have made of me are "voluntary." I reject the fantasy of "positive rights" and "negative rights." Each and every one of those rights carries with it some obligation of someone else to provide something for me. Even those mystical "natural" rights you imagine. Did you ever think about that before in your brain? Go ahead. Give me one and I'll explain the obligation of someone else to help provide it to you.
You also have no idea what "ad hominem" means. It's not an ad hominem if someone calls you a name. It is n ad hominem if someone calls you a name and then argues that because of this, your ideas are invalid. It is ironic that you would attempt to claim an ad hominem after yourself attaching me to your caricature of what you assume me to be and then argue that my position is invalid.