So again, the thing Dems did wrong was to not blame Reps enough, and not be hard enough on Reps?
But let's take a look here, because I don't think this is as airtight as you think it is.
Needing to work extra jobs to get by. Erosion of workers rights? You might be able to make that argument, but only in the context of weakened union protections, I think. On the other hand, workers have been granted equal opportunity laws, protection against discrimination, safety regulations, mandatory breaks and lunches, FMLA, worker's compensation insurance, increased overtime pay, affirmative action, and increased minimum wage. In addition, however, there's been an increase in work visas allowing more competition for jobs, lax control of illegal entrants working many labor jobs, and the destruction of US industrial work as it gets outsourced to foreign countries. Most of those things - both good and ill - have had bipartisan support or at best silence from both parties. I don't recall Dems rallying to protect US industry, or to control immigration and prioritize US job placement, or to reduce work visas.
No housing available. You're right that allowing secondary and tertiary market actions on mortgages contributed to this situation, but it wasn't something pushed by Reps nor was it opposed by Dems. It had tacit approval from both parties. But there was a lot more that has contributed to this current situation. For example, overcorrection for redlining extended sub-prime mortgages to people who really couldn't afford them and increasing the risk of default. Following that bust, a large number of houses were purchased by foreign venture capital and rent rates increased substantially. Stops put in place during Covid exacerbated this, even though it was well intentioned, by disallowing evictions for non-payment of rent. That led to apartment owners being unable to afford to keep their properties, and a large number of those properties were sold to foreign interests. I don't recall Dems taking action to protect property owners from bankruptcy, nor to limit the ability of foreign interests to purchase a significant chunk of the US housing market. Compounding all of this is the gentrification of urban areas which increases rents and housing prices in the areas where most jobs are, which pushes workers out.
Hospital visits causing bankruptcy. You're right that this is a problem. But GOP didn't cause this, both parties did. Allowing both health care providers and health insurers to be publicly traded entities introduced a significant conflict of interest into the system, and both parties are to blame for that. Additionally, it's been a Dem platform to socialize insurance, to subsidize premiums, and to continually demand that more and more services be considered essential health benefits, and to eliminate underwriting, while not imposing any requirements on the delivery of care. This has created a situation where negotiating power is in the hands of large provider systems, in many cases ones that insurers are required to have in network in order to be able to sell insurance at all. Over the last few decades, the prices that providers charge for their services have continued to rise much faster than inflation, and in the last few years it's skyrocketed. Providers are making considerable profits, and engaging in some questionable billing practices that push up premiums and the cost of insurance. There's a whole lot wrong in the medical industry in the US, but you're fool if you think only GOP is to blame for this situation.
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