Housing supply (NIMBYism by landlords) has not kept up with population growth and immigration in most dense cities. There is also the massive increase in multiple houses bought and left empty by the rich which are ghost houses. Healthcare will go up because that is regulated by politicians who do their best to raise prices for vested interests. The 2003 law passed by Republicans to prevent the government from even negotiating drug prices with Big Pharma is an example. You can’t even do parallel imports of drugs from say Europe. The number of doctors is restricted by the AMA and they even do the guidelines on how well they should be compensated. Educatlon is a third party payment “scam” where there is no incentive to restrict your costs, and there is every incentive to spend money on non-academic activities like massively bloated football programs and bureaucracies.

We reap what we sow.