I blame employer-provided health insurance. It leads to people thinking "hey, it's free!". The story I've heard is that at some point (WW2-ish?) there was some

I blame employer-provided health insurance. It leads to people thinking "hey, it's free!". The story I've heard is that at some point (WW2-ish?) there was some sort of government-induced cap on wages, so employers couldn't compete for employees merely on a cash salary. So, as an unintended consequence to the original government action, employers started offering health insurance as a non-cash benefit. (Please correct me if I'm wrong, I am admittedly going on hearsay.)