The logic is sound, but as you extend the idea, the group starts selling access to their doctor, and you basically pay a subscription for a doctor, and then you just have insurance by another name. It wouldn't be corrupt like modern insurance, but that's just because it's new, not because it won't get there, unless specific steps are taken to prevent that.
Really, the only thing thatt actually accomplishes here is you've removed profit and CEO nonsense from the equation. A community that implemented and organized all these potential communal services would just be a commune. Nothing wrong with that at all, we need more communist principles in our lives.
No.
Netflix logging your IP is the equivalent of taking a photo of someone in public. Not ideal if you're into privacy, but it's a public place, so it's your problem. YouTube's Adblock detection is equivalent to patting them down to see if they have a weapon and requiring their ID. The software actively looks for changes, using technology that could detect what extensions you have installed, gather data to profile you better for ads, and monitor what you're doing in your browser while the tab is open.
Both are ultimately for the same purpose, to prevent people from avoiding to pay them, but methods matter.