I'm with you on decentralisation. To me that would solve a lot of the current problems. The closer the taxpayer is to the people spending his taxes, the better his oversight.
Immoral is taking people's money to pay for roads and spending it on government junkets, spy planes or NGOs while the roads fall into disrepair. If you had a budget for road maintenance and then all road users paid to cover it, that would be different. The same goes for social insurance . Everyone pays and there's no medical care available when you need it.