I don’t think making a GoFundMe for that is anything bad, in fact I’m of the opinion that it would be better if it was only a single GoFundMe that everyone is forced to contribute depending on how much they earn, and then everyone can use that, it would be a way to get the public to have access to healthcare, so we could call it public healthcare system, I think almost every other country in the world has a version of this which is why even if you hadn’t mentioned places I know which country you’re from.
As for the answer to whether you’re the asshole is: It depends. Do you vote for politicians that oppose public health? If so then you’re the asshole, you’re saying that you are special and you deserve to have your treatment paid for you whereas other people do not. If you vote in favour of politicians that support public health, then you’re not the asshole, because your vote indicates you’re willing to do the same for others and had the people you voted done what you wanted you wouldn’t need that GoFundMe, nor would anyone else in the same situation.