Why couldn’t that what you just described be called something different other than “socialism” then? Sounds like a bad move to make it fall under that same umbrella especially since that term is very frowned upon if not straight out forbidden in a few European countries for example.
It is, the term for this type of system is called Social Democracy which is not a synonym for socialism, but people (Americans at least) confused and conflate the two terms to the point that they’ve become one and the same in the minds of many people who don’t really understand the terms or their origins.
Because we’re too busy categorizing this stupid shit into bins of “good” and “bad” when reality is a greyscale between these two. These are fairly reasonable points and should be viewed as a more centrist POV, but since we (read: primarily North America) have a tribal “us vs. them” animosity about it we lump many reasonable ideas together on each end of the spectrum. Things like not having to go bankrupt when you or a loved one needs an emergency hospital visit somehow automatically gets lumped in with the other extreme “socialist” ideas just to solely argue against it and not budge from their end of the extreme.
Words, used in non technical contexts, mean what people mean when they use them.
Descriptive. Not proscriptive.