My conspiracy theory is that in the bigger picture this is a symptom of corporate or AI or whatever other non-human agency taking over the economy, with specific anti-human consequences.
Imagine some uniquely human experiences. Unique in the sense that they are not literally experienced by corporations or AI or whatever. Maybe there are analogies, but not literally. These include human medical care, human marriages, and human end of life and burial rituals. All of these are artificially more expensive on the market. If you buy two identical cakes but you say that one is a wedding cake, then that cake will be like 10x price. If you buy two identical thermometers but you say that one is a medical thermometer then that thermometer will be like 10x price. If you buy two identical boxes but you say one is a coffin then it will be like 10x, and so on.
My conspiracy theory is that this phenomenon will keep spreading to other human-specific areas of life. So not just marriage, healthcare, death anymore. Now it will start including other things humans absolutely need like food or housing, and maybe even spread to water or clothing. The flip side of the conspiracy theory is that the things that aren't human-specific will become relatively cheaper in price. This distinction will cause a kind of distortion in the estimates of inflation. For example it could theoretically be possible for human-specific costs to double while costs that are like b2b expenses where corporations ruthlessly, competently, and unceasingly negotiate amongst themselves will not increase in cost at all. Basically my conspiracy theory is the medical-device-ification of all expenses specific to natural persons.