Anything is affordable--provided you have enough money.
It can't buy happiness, but it gets most anything else if your pile is high enough.
The problem is, the government came along and said "we won't pay a dime more than $XXXXX for that" and the price became (overnight, or sooner) $XXXXX.
Only most of us couldn't cough up $XXXXX, only the folks on government programs.
So the 'wealthiest' of us fund things for the poorest that we can't afford for ourselves.
Which is why there are so many morbidly obese poor people.
As for "healthcare" the scam is to roll over the adjustments and other unpaid Xs into 'unpaid' bills, take the loss, and never show a profit so they can apply for grants (yep, more tax money) to pick up the slack, while the administrators kick back with salaries in mid six figures and up.
Good duty if you can get it, I reckon...