funny he mentions those three because they have all been provided (to varying degrees) by the govt in various parts of the world at different points in time ... he's talking about a household budget, not govt, so maybe he means American consumer here? but then that's an isolated case where tons of money is being siphoned off in the system by (say) overpaid administrators / HMOs and pharmaceutical companies / predatory landlords and letting agencies. ofc he doesn't address that aspect