In regards to point 2, have you noticed that the Left never complains about what colleges charge in tuition. They will hoot and holler over $1 charged at ATM machines, what a doctor charged to keep you on this side of the ground, the rent of an apartment in Manhattan, etc, etc. But colleges have raised a $16,000 tuition circa 1984 to $60,000 today and the Left never says a word. Do you think they don’t because it is they who are collecting the money.
For perspective, my daughter attends McGill University in Montreal, Canada. It’s is ranked in the top twenty of universities worldwide. Her tuition and room and board, all included, is $20,000. An in province student’s tuition is $8,000. Her other choice was Boston University, tuition $60,000.
I have a cousin who went to BU in the 60s (approximately when BO'R was in college, I think) -- tuition was $1,600 a hear. Boston College at the time was $1,000 a year. I think the state colleges were about $400 IIRC. Granted, salaries were lower then too (I think $15,000 was considered pretty good), but these still weren't amounts you had to start saving for at the child's birth. It was possible to earn those tuitions at a good summer job, and at least a good chunk of them at a mediocre summer job. Didn't Ron Paul say he worked his way through college and medical school?
Of course, that was (slightly) before the gov't got into the business of making college available for all and poured money into them -- enough for them to hire vastly more administrators, build dorms and stadiums, hire professors like -- oh, for example, Elizabeth Warren -- at $400,000 a year to teach one course. College professors then didn't make much -- I've read that the classic professorial jacket with patches on the elbows really came about in the days when profs had to scrounge!