In a sense, both student loans and health insurance target the wrong thing: How to preserve established institutions by making sure that they get their money, n

In a sense, both student loans and health insurance target the wrong thing: How to preserve established institutions by making sure that they get their money, not how to deliver education (and research) and health care to people. I think in 100 years we'll look back on subsidized private universities, and subsidized private hospitals, as obviously bad ideas. I think the way to solve both is to let the state own both systems. Publicly funded research and education can occur at state universities. The private colleges can do whatever they want with their own money, until they're small enough to drown in a bathtub, or they can go back to primarily serving as seminaries.