Healthcare, college education, and childcare started getting worse decades ago. Now we're all finally feeling it.

• Americans are accruing billions in debt to pay for things like education and healthcare.
• Meanwhile, childcare is unaffordable almost everywhere, making it a luxury to have kids.
• They all could've been treated as public goods, but lawmakers decided to let them run as businesses.

Ron and Marcia Rizzardi still owe $130,000 in student debt despite paying off $140,000 — and starting with a loan of just $54,000.