Earlier quoted context omitted.
If we had less regulation of insurance companies, do you think they’d be cheaper? (I pick this example because our regulation of insurance companies has (unintuitively) incentivized them to pay more for care. So it’s an example of poor regulation imo)
Health care is the more complicated one of the examples cited, but housing definitely is an 'own goal' in how we made it too difficult to build in too many places - especially "up and in" rather than outward expansion. Stuff like this isn't Wall Street or Billionaires or whatever bogeyman - it's our neighbors: https://bendyimby.com/2024/04/16/the-hearing-and-the-housing...
However regulation is helpful for those already sick or with pre-existing conditions. Developed countries with well-regulated systems also have better health outcomes than the US does.