Seems to me like the "difficult problem" is solved in pretty much every other rich country in the world.

if its not solved in the richest country maybe its not so easy to solve unless you want to hand wave the diffuclt parts and just describe it as "rich people being greedy"

It's such a dysfunctional situation that the "rich people being greedy" is the most likely explanation. Either that or the U.S. citizenry are uniquely stupid amongst rich countries.