All this systemic friction adds cost and precious little increase in output or productivity. Nobody's actually healthier or more productive because millions of useless tests have been performed, just as nobody actually learned more as a result of their college costs soaring from $25,000 for a bachelor's degree to $100,000 for virtually identical courses, professors, curriculum, etc.
These charts shout diminishing returns and unsustainable expansion of debt borrowed by uncreditworthy borrowers.
In effect, we've paid for all this systemic friction by borrowing.