>It's the reason the costs of things like education and healthcare are downright extortionate, the reason you're paying back your college well into your fifties, the reason you don't call an ambulance for someone in the US because you don't want to ruin their life financially.

You might wanna think again on that line of reasoning, because plenty of other countries have the same dynamics with respect to service employees, but they don't suffer the very US-only problem of ridiculous education and healthcare costs where calling an ambulance can ruin someones life.