It really comes down to who decides any questions as well as who pays, who benefits and who loses. Any outcome can happen no matter what method we employ to be prepared. That's life. However, there is a much better chance for an individual to benefit from a decision when he is the one in charge. Plus if he is mistaken he is the one punished by the decision not others.
The local and state governments too are right there on location to offer assistance to the individual. Unless there is a disaster in the Washington, DC region (something the District is known for but that kind of disaster is not what I'm referring to here) the decisions made from DC are nowhere near the location of the disaster. Information bottleneck is a big reason federal control of local and state problems always becomes a disaster itself. It cost more using this Soviet method as well.
Add to this unconstitutional brew the inevitable corruption that always emerges when power is centralized by the collectivists be they fascists, socialists, communists, religious rulers or whatever. Collectivism IS like voodoo. Some faceless bureaucrat in DC is responsible for sticking a pin in some portion of your life when it suits them but you are the one always saying "OUCH."
You see amigos, if I were living one hundred years ago it would be unnecessary to point out these truths. Unfortunately for a long while the collectivists have ruled over education and that has been a disaster. Rather than enlighten us they have wasted our time feeding us the dumbest ideas on earth to make it easier to control us. Americans a century ago were damn protective of the ownership of their time, body and personal wealth. They understood the meaning of the Constitution and took responsibility seriously.
At the end of the day if you really want to get the American experience that you want then you be the one to decide - not faceless bureaucrats in the Washington swamp.