The inequality of school districts is probably one of the biggest systemic barriers in our society.

That being said, school choice isn’t that helpful. The most segregated school district in the US is NYC, which has had citywide school choice for a long time.

> In 2018 in New York, 90% of black students attended predominantly nonwhite schools, while Latino student enrollment in predominantly nonwhite schools has remained roughly stable (84%). Almost two out of three black students and over half of Latino students attend intensely segregated schools, where less than 10% of student enrollment is white.

IIRC, the way this worked was that by decreasing tellers required per branch, it made a lot more marginal locations pencil out for branches, at a time when the banking industry was expansionary.

This is not so helpful if AI is boosting productivity while a sector is slowing down, because companies will cut in an overabundant market where deflationary pressure exists.

The problem is that you need to have decent legislators and hold them accountable, and unfortunately we seem to be backsliding on making that happen.

It's worth noting that at least a lot of the (non-health) insurance rises are driven by the reinsurance market responding to ever higher dollar amounts of claims annually due to disasters.