Like A Wedding Cake

It only just occurred to me. I paid $200 out of my own pocket for a private room at the hospital. Normally, my wife's private health insurance would have paid for a semi-private (shared with another mother) but they paid half of the private room and we could afford the rest so we got our own room. A big bed for mommy, a pull-out chair mattress for daddy and a bassinet that was just right for el nino. So two questions then...

1) What do people who have no private health insurance get? A room with four mothers or do they just have to pay for the semi-private themselves?
2) Why are so many people objecting to paying extra for extra services in the health system? That ship appears to have already sailed.