I believe there has to be affordable options for the working middle class. Your correct that there must be a balance, we have to learn to care for each other and the countries best interest as a whole. The future of our nations children is our legacy as a society. If people can live on one income than that is of course the best option but single parents and lower income families simply can't. I'll take a stab at this... Privatization of the entire industry with tax credit and cut all administrative costs associated with government involvement. Put it back in the hands of the people.