Comment of the day
Driving the costs down to a less unaffordable amount won't make costs any more affordable. This is like throwing a life preserver to a paralyzed man, and feeling proud because your throw landed it only 25 feet away from him instead of the 50 feet away someone else had thrown it. The net result is still going to be drowning...just drowning a little closer to the thing that could have saved you. In my day they called that "cold comfort."