Money and wealth are different. Regarding your point (a): Things can become more affordable by innovations in technology, production and distribution. Service

Money and wealth are different. Regarding your point (a): Things can become more affordable by innovations in technology, production and distribution. Services may not become more affordable because service is provided by human being. And by definition, the above average service always costs more than average. I don't think in the name of profit is the cause to the problem. Lacking of political power to punish corporation corruptions and being oblivious of public wellness are the root cause.