I agree, the free market is often far from free!
Often the loudest complainers are those who gain from a cozy niche. Take the absurd requirement that the purchase of a house requires "title insurance". Not for the benefit of the buyer but for the bank,
In Massachestts this is mandated by law @ 1"3% of the purchase price. With computerized records of titles and propert liens, there is no justification. Take also the phony claim that Reverse Mortgages are " Govenmental insured". Maybe so but the beneficiary is the bank, not the home owner.
Why must I get an expensive audiologist in some states in order to buy a hearing aid - and double the price?