I dunno what kind of reputation this guy has, but his video on fractional reserve lending was neat to watch and somewhat educational when it came down to it, might recommend it to some of my friends.
As for whether or not everything is overpriced: probably.
There is a new generation in America that is going to have a hard time paying for basically everything that you're mentioning, and a lot of what you have listed will probably have to be inherited by each subsequent generation for there to not be a collapse.