You've repeated the same thing!
If, on the other hand, you state that every problem you come across should be fixed with a government program, even if there are other options, then you most certainly are stating, in effect, "the government is better at spending your money than you are."
There is a whole continuum between limited, pre-defined services and fixing every problem.
Some problems are best solved by individuals and the free market. Other problems are best solved by the government because the whole system falls apart if individuals don't want to opt in (e.g. fire service, garbage collection and so on).
Likewise some other systems (education) are sufficiently important that even if parents don't want to pay to have educated kids, having an educated population is sufficiently important that the country cannot run without it and therefore it is best provided by the government.
Likewise, the free market and charitable donations will not solve large scale social problems. To a limited extent the government can, or at least mitigate them to the extent that significant amounts of the population do not need to be in gaol.
there is a continum between "government provides limited serivices" and "government is better at spending money so should solve all problems".
Your world, while appealingly simple, is just too simple to adequately reflect reality.