The biggest reason for these things is immigration.
It’s about numbers, supply and demand. There are more people, so houses cost more.
There are more people, so wages will be low as more people want and need a job.
There are more people, so services are stretched. You will be waiting longer for a medical appointment.
There are more people, so more cars on the roads, which means more potholes, more maintenance needed. Etc etc etc.
I am not against all immigration but the massive numbers over the last few decades has made this happen.
Rich people won’t be affected of course, they benefit from the massive housing increases and business owners benefit by being able to keep wages low. They can pay for private healthcare and be sheltered from the realities of the normal man on the street.