Well said. I would add to the healthcare point that the system for providing insurance through an employer is a way to tether people to a job without having to offer benefits like pensions. Why would a company need to entice a person to stay with a strong benefits package that includes the possibility of being able to retire of they can be either crippled with medical debt, chained to a job to reduce the chance of being crippled by medical debt, or both?

I am under no illusion that things were utopian for previous generations, but the idea that things are better for people broadly, and not worse in insidious ways through continual assaults on working conditions, workers rights, and ability to generate net worth is… frustrating.