Good post.
The primary reason that college is “expensive” is that the fed gov provides massive amounts of below market rate borrowing for students to purchase “college”.
The primary reason that medical care is “expensive” is that tax policy connected health “insurance” (actually prepaid medical care) to employment and isolated the cost from the user.
I always thought the first step in health care insurance would be to tax the value of the health care you get as a benefit.
The amount of tax the average joe would have had to pay would be significantly less than what Obamacare would force them to pay.
AND, it would force the average joe to LOOK at his coverage and demand that their employer negotiate better, more efficient coverage.
That in itself would have caused the model to change due to the market—not at the demand of the government.