I have a theory that much of current American capitalism is finding ways to shift costs(including labor and time) to someone else. I would say current crisis has been brewing partly because employers were able to get away with low salaries and benefits for a long time. The resulting consequences of people being priced out causing homelessness was shifted to tax payers to pay for homeless shelters. NYC politicians talk a lot about affordable housing but ultimately fail to enact anything and keep leaning on private sector solutions because they're backed by real estate industry yet propped up by property tax revenue. Unfortunately in this musical chairs of shifting responsibility and costs it's hard to see a solution. If govt services collapse the govt might resort to outsourcing complete depts