I think accreditation, regulation, and the monopolies / cartels that precipitate from that are the real reason medical care and education have become so expensive. Its like this because because no one can participate in the market. You can't just open a school and start teaching or buy an industrial site and start manufacturing asthma medications. These things are not too hard for the average person to do because of some natural phenomenon, they are simply prohibited by law. If you try to start an organization, whether for profit or not, in education or medicine, usually either you or your customers/students will be arrested, assaulted, or denied access to the market (Job market, Bachelors Degree market, Pharma market, walk-in-clinic market, etc) by the incumbent system / government / law / mafia.
Either that or you have to play by their rules, which puts you at an inherent dis-advantage and forces you to over-charge for everything because you have to pay the mafia dues, and they are really REALLY expensive.
Personally I think whats gonna happen, eventually these things (education, healthcare, etc) will be only available to top 20 - top 10% of people in terms of wealth, and at that point as long as the internet still exists and functions similarly to how it does today, illegal clinics and illegal universities will start popping up and a new generation of businesses will spring up which cost 100x Less while providing better care and products.