Three Things Have Outpaced Wages By A Factor Of Three.

Housing, healthcare, and education. Over forty years they have moved together: each has roughly tripled in real cost relative to ordinary wages, and each is now decisive in whether a household with a normal income can build a normal life. The proposals here address these three markets at two levels — structural rules that change how prices are set (housing supply and finance, anti-coordination protections against algorithmic rent-fixing, tuition caps tied to inflation, debt-to-earnings standards) and direct relief (vacancy taxation, debt cancellation funded by endowment levies). Treating symptoms and causes simultaneously, because the people inside these markets cannot wait for a clean structural fix to take effect.