Get the government out of the business of subsidizing those who won’t exercise self control and we will see some improvement. For instance, end all government welfare, and thereby quit subsidizing illegitimacy and we’ll see a huge reduction in it. Stop requiring that hospitals take all comers, regardless of ability to pay, etc. We don’t need more laws, in fact we need many fewer laws.
While much immorality isn’t necessarily subsidized, it is certainly protected. Take adultery for instance. It causes great societal harm but the government protects the adulterers from natural consequences. In the case of hospitals having to take poor patients, the hospitals are themselves protected by laws allowing insurance and labor union contracts which lead to the high medical costs to begin with.