That sounds like a heartfelt generalization of modern plutocrapitalism - but meanwhile I have dead-tree-edition bills for groceries, insurance, rent, etc. which

That sounds like a heartfelt generalization of modern plutocrapitalism - but meanwhile I have dead-tree-edition bills for groceries, insurance, rent, etc. which show that prices do sometimes go down. Both from coop/mutual, and from for-profit providers. And if you want lower insurance premiums to be possible - the reality is that any provider has to take in enough money so that their claims checks don't bounce. Plus, 99% of ordinary people would prefer to live in homes that didn't get wrecked by bad weather.