Life in the Netherlands is cheap, were it not for the fact that we are forced to consume all kinds of expensive things that we do not ask for at all and can do without. An overview of unnecessary expenditures that government and industry force us to.
The largest cost item the average Dutch person has to contend with is housing. Nowhere in Europe is living as expensive as in the Netherlands. This is largely due to government interference with housing and the housing market. For example, the government sets detailed building requirements that are often outdated and drive up construction costs. There is an artificial shortage of cheap housing for the minimum income, because benefit recipients are cut back on their benefits if they live together. Perhaps the most stupid government measure we know in this country is the mortgage interest deduction. In fact, the mortgage interest deduction amounts to a subsidy to banks, which is eventually coughed up by the taxpayers. For example, due to the artificially high mortgage interest rates in the Netherlands, the Dutch banks have rebuilt their capital reserves at the expense of the borrowers. In the Netherlands, construction is seen as an industrial branch, while in fact, with the exception of the building of factories, it is consumption.
Every person wants to be healed quickly if he or she falls ill. Unfortunately, as a compulsory health insurance policy, you contribute to the enormous chaos that reigns in many hospitals. A large number of managers keep the medical staff from work and also collect generous salaries themselves, which increases costs enormously and considerably decreases the job satisfaction for the medical staff. Hospitals are also run inefficiently, which increases costs even more. About a fifth of our gross income is compulsorily spent on the costly and inefficient health care system.
Education in the Netherlands can also be better and smarter. For example, the private LOI trainer is able to provide recognized HBO education without government subsidy, which is also assessed as excellent by visitation committees. For this, the LOI charges a tuition fee that is identical to what state schools charge (and which the taxpayer also pays four times as much).
Due to the latest measures with regard to shortening the duration of unemployment benefits, unemployment benefits have become an expensive and inefficient provision. If employees can, for example, put a few percent of their salary tax-free in a life-course savings account, the unemployment benefit scheme can in principle be abolished. Other benefits, such as WAO and WIA, have also developed into monstrosities, condemning the recipients of these benefits to inactivity.
Unlike in developing countries, it is not allowed in the Netherlands to start a bus line yourself. Bus lines are auctioned and opened by the government. The 'philosophy' behind this is that in this way the bus companies allow the profitable routes to 'sponsor' the unprofitable routes. It is therefore not allowed to buy an old bus and use it to travel back and forth between Utrecht and Tiel and to pick up passengers. The result is that the government can print all kinds of ineffective and unnecessary projects, such as the infamous public transport chip card, and the consumer is forced to pay a lot for an ineffective, fault-prone and cumbersome product.
To be continued.