>Student loans,

Well I wouldn't call this a failure of the free market because this is actually the exact opposite situation. Americans have decided to solve funding for education through private funding, which is fine in principle but then they ruined the free market component through extreme government intervention that sets up perverse incentives. It's a text book example of government intervention gone wrong. The way it should have worked is that degrees with good job prospects are cheaper to finance than those where people end up unemployed. If people pick the wrong degree that's fine because they can discharge the debt which causes interest to go up and make the uneconomical degree more expensive. It also means that colleges don't get a free money siphon and waste all the money on things that don't improve the job prospects of their students.

The free market utopia would be that average people go to college and money printing "corporate drones" leave college. People can then use their wealth to pursue their true interests in their spare time, or you know at least feed their kids. Instead what we have right now is basically 18 year olds chasing their dreams and everyone around them (advisers, bankers, government, college) tells them to go ahead while those young people are about to blow their foot of with the debt and no job prospects.

>house loans

Not sure what's wrong with those to be fair. The free market works here because money is just another type of commodity. It's fungible, it doesn't matter what bank you go to. The central bank printing press is causing some asset inflation but it's not fundamentally broken, just tilted.

>car loans

I have heard that it is difficult to get financing for small cars in the USA because Americans don't buy small cars anymore. I personally can't comprehend this but why not just get a used car instead? What else is wrong car loans?

>payday loans

Yeah this is definitively a complete failure for the free market. There are some people that are doing so badly that lending them money for a profit will just make their situation worse. This is something that can only be solved through charity or welfare with no strings attached and no expectation to get the aid back. If someone is lacking $500 then charging them $600 isn't going to solve their problems. Giving loans to people who can't pay them back is always a bad idea. However, there is also a group of people who is merely late on their payments but can eventually get back on their feet. 30% annualized interest for small loans can be a perfectly acceptable solution for people who are a high default risk. Payday loans are often something insane like 500% annualized interest and they also offer extremely poor repayment conditions. They just shouldn't exist.

>Food deserts

This is caused by differences in access to transportation. If all the "not poor" people use their car to drive to a Walmart that is 15 miles away then poor people won't get access to a decent store within 15 miles.

>prison standard of living

Yes, another failure of the free market but also a case of the people involved being morally corrupt through and through. It's basically legalized slavery and the prison wards can always ask for more "slaves".

>Social mobility in general.

Well, this is primarily caused by labor abroad increasing supply for everything and pushing down prices to a level where richer nations can't compete. The "corporate drone" I mentioned above does very well in such a situation because his skills are still in high demand. The problem we have is that there are not enough "corporate drones" who get a profitable degree. Upskilling is extremely important because low skilled workers basically compete with dirt cheap labor abroad nowadays.

>"Right to work", worker protection

The free market can work in favor of workers if businesses are competing for workers. As I said, there is a lack of workers that companies want. If you have to compete with your neighbors it's a race to the bottom. I can't say the free market failed here. It's inherently a difference in culture.

> Non-existing safety nets.

Yeah this is one of the weirdest things about the USA. It's easy to get fired, but it's also even easier to lose everything once you lose that job.

>days of vacation and parental leave.

One of the greatest failings of the free market is that it can't ensure reproduction of our species. Going by what the bean counters say we would never have kids.

>Average savings per capita.

This is probably influenced by culture. Owning housing often causes savings to go up. In renter societies you often see people own less capital than in home ownership focused societies.

Overall the USA somehow managed to have both the worst parts of the free market and the worst parts of government intervention in one ugly package. It's very surprising to me. I'm pretty sure that if they could have avoided the worst parts of government intervention that they would put my own country to shame. Instead there are some rich dudes in a gated community and lots of poor people around the gated communities. Yeah sure the rich dudes brag about how rich they are rich but that's not the only important thing for me. It's also not guaranteed that I will be one of them if I go there. I never want to live there. If I was on exile I'd rather go to countries that are not as wealthy as Germany than to the USA.