I don’t have an overarching theory, if that’s your question. Some of them are probably good, others not. Home mortgages have mostly done what the politicians

I don’t have an overarching theory, if that’s your question. Some of them are probably good, others not. Home mortgages have mostly done what the politicians and public wanted in rural and suburban areas. Some price inflation happened as a side effect, but a lot of that extra cost went into bigger homes so people get something for it. Slightly distorting to the market, but nothing terrible. In dense urban environments where supply is inelastic, price inflation was a lot worse yielded a lot less. This is probably one of the biggest cost of living problems. I think the financialization of ordinary health services (not things like cancer or accidents) is terrible. I think it makes the whole industry a lot worse. Ultimately though, this is/was driven by consumer and voter demand not scheming villains. Collectively, I think they might add up to different classes of problems.