In education, the mere existence of easily available government sponsored student loans drives up the cost of college tuition by creating a never ending demand for the "product",.. In health care, programs like Medicare & Medicaid, drive up cost for everyone else when reimbursements fail to cover the cost of services, relying on the rest of us to pick up the slack..
In both cases the program participant thinks they have received a more cost effective product but in reality someone else is always picking up the ever increasing cost... These programs do not control costs.
