I fundamentally disagree that insurance is the root cause of it being expensive. The root cause is a combination of the immense expertise required to properly diagnose and treat, and the supplies required to do the job. Pharmaceuticals and sterilized equipment and expensive machinery for tests and treatments, etc., etc. Insurance may exacerbate that, but you can't ignore a decade of training to be a doctor, the engineering experience to build their tools, the manufacturing techniques required to make sterile tools, the biochemical knowledge and experience to be able to create the drugs, etc. Insurance may inflate the cost some, but the price floor is already very high. Something similar can be said for housing and mortgages. Have you seen modern build quality? It's fucking cardboard and paper mache over wood framing. It's the cheapest shit possible, and it's still gonna set you back hundreds of thousands of dollars. It takes tons of manhours and thousands and thousands of dollars in supplies, and that's before you even start really finishing it so it looks ready for move in. Getting rid of mortgages wouldn't magically fix home prices. It would just turn the vast majority of us into renters because there's no fucking way most people manage to save up the six figure sum for a house while paying modern rent prices.

Oh, I fully agree that materials, equipment, and specialized labor are expensive, but would those costs not be forced lower if no one is able to pay for them? Would the medical system just die away in spite of the demand? I doubt that. I've heard, though haven't researched, that dental and medical work in Mexico is often, not only cheaper, but more advanced. And it's well known that medication is cheaper in both Canada and Mexico. So, expense, at least for drugs and equipment, is flexable. As for housing, if people can't buy at the current prices, they will drop. Without loans, either labor or material costs will have to go down. When it comes to both of these industries, there is a permenant demand. People need health and housing. Will wages go down? Probably. Maybe the doctors, the secrataries, drug manufacturing workers, raw material workers, everyone in the chain? The market will adapt.