Of course there's a choice, there's a singular reason for the rising cost of all those things. Government intervention and injecting money into those markets. Costs will rise to absorb availability of funds. Give people virtually unlimited finding for higher education?? Expect costs to rise at a similar rate. Force everyone to buy insurance through a rigid process and heavily subsidize the worst possible coverage. Makes perfect sense that prices rise and quality deteriorates.

Have the government lend trillions of dollars at low interest with minimal qualifications for housing. Expected outcome is realized.

Same is happening with childcare. Government increases child care credit. No surprise that daycare has raised the rate $30 per week.