Things like child care and finance are not as obvious to me though: these are already competitive industries, with very price-sensitive clients too, and (IMO) mostly sensible regulations, so if something both cheap and competitive was possible, why hasn't it happened yet?
Also, as for "Equally credible alternatives to university education": I'm not sure if I get this one right, wording is a little confusing -- you mean the problem being that people feel forced to spend lots of $$ to study things they won't actually need for their jobs? IMO, to answer that, we also first need to answer why exactly is it the case currently: e.g. no government sponsorship of community colleges is going to help if the reason is that education is primarily used as a signaling device... (Edit: I see your response to another question -- namely a startup offering an independent alternative to screening on education -- and I agree that this can be promising. Not easy, but promising.)