Excellent analysis.

I'll see if I can find a source i saw recently that showed that thinks like appliances, TVs, computer, toys, clothes etc that were outsourceable have dropped in price a lot but health care, education, insurance, housing and basically every domestic has increased at rates well beyond inflation and incomes.

And part of the problem is systematic under investment in the public sector. We haven't built enough schools, hospitals or required universities to expand in proportion to the population.