Giant Corporations, Giant Governments, or Something Else

Two of the big markets in the US, the automobile market and the housing market are utterly fucked. In certain locations, it's basically impossible for a young person to buy a house. The average house price to median income ratio is at an all time high. It used to be about 3:1, now it's about 6:1. New cars are stupidly expensive. Only a very wealthy household, like top 3% can really afford to waste the tens of thousands of dollars of depreciation per new vehicle purchase, and even for them, it's a major financial setback to buy a couple of new cars every few years. On top of that, even companies that used to be known for reliability, like Toyota, struggle with quality control issues.

To me, it looks like a big delamination in the US economy and in society in general. Big institutions like governments and corporations and universities are completely bonkers, corrupt, and ineffectual. They are floating away from the rest of the population in a bubble of their own insanity. The mom and pop american people don't have the luxury of ideological insanity and don't make a living off graft and corruption and financial circle jerking.

I think there's going to be a period of innovation outside the corporate/financial system in the next years driven by the necessity of life and the outsized corruption and incompetence in the system itself. It's never been easier and cheaper to produce various goods. It doesn't seem likely that individuals in the US will continually subsidize and slave away for corporate executives, investors, and shareholders.

The institutions controlled by "the left" are outmoded for similar reasons. Why will individuals indefinitely subsidize college professors and giant, corrupt regulatory agencies and hoardes of bureaucrats?