I agree with you 100%, and its seems very difficult to explain this to people in terms of politics. The intuition is that grants and loans make education more

I agree with you 100%, and its seems very difficult to explain this to people in terms of politics. The intuition is that grants and loans make education more affordable, but in the medium to long term they just inflate the cost of tuition for everyone. Similarly for healthcare and housing. Feel like we either need to socialize these sectors of the economy, or go full free market. But a system half way in between doesn't work. (My personal preference would be to largely socialize healthcare and education, while pushing for more free market reforms for housing, to encourage new development and increase the housing supply.)