[owyn]

Yes it is. Maybe it is not? (edit, same in the UK). Why is left as an exercise on the blackboard. If you do have elderly parents I would look into the actual costs of facilities near you because you are in for a shock.

However, if you think about it, most people age 40-70 have to keep working and can't afford to slow down to take care of their parents, so they have to outsource it. Keep the job to pay for that care plus all the other expenses of life. It would be nice if I could take a part time job and take care of my parents. But if I quit my full time job, my entire family would be homeless. So, I have to work and pay. Same story for child care, unfortunately. And since it is a for profit sector, the market charges as much as it can, which is always going to be more than you want, and just enough to leave the patient alive for future bleedings.