Pulsey
You are decently intelligent, so I wonder if it's just basic lack of knowledge that leads you to making those assumptions. The reason people do multiple jobs is plain and simple the fact that for 40 years the average salary in the USA hasn't gone up. The poor people that do multiple jobs, do them out of necessity. It's a vicious circle: They can't afford high rent, so they have to living far away from their jobs, transportation costs suck up a fair share of their earnings since they are paid ridiculously low wages. The stress and exhaustion leaves no room for family, selfimprovement or leisure.
Don't take my word for it, read the Washington post:
http://www.washingtonpost.com/sf/business/2014/12/14/the-devalued-american-worker/Next thing: Health insurance gets cheaper when everybody pays for it, not more expensive. Europe is the best example for that. State controlled insurance companies can make bulk contracts, keep pharmacompanies in check and balance expenditures, to the benefit of everyone. Under the current system the USA expends the most $ per capita of all nations for they healthcare, yet the results are catastrophic for an industrialized country. They spend 1.5 times or respectively more than 2 times more than Germany and Japan. Both countries, like many others, have a single payer system and a better healthcare by far.
https://en.wikipedia.org/wiki/List_of_countries_by_total_health_expenditure_per_capitaIncentives are fine, but policies that allow legal taxevasion and taxbreaks for corporations are not an incentive, they are exploitation. Hell, even the IMF has come to understand that in the end, income inequalty will break the neck of every economy and society, and they can hardly be called libertarian.
https://www.imf.org/external/pubs/ft/sdn/2014/sdn1402.pdfWhat is beneficial to society and what is not? Let's not go into that too deep as it would lead us only astray. But you completely miss the point about public funded education. Publicly funded education benefits not only the society as a whole, but also the economy in particular. Exorbitant studying costs not only cause a further social rift through society, further decreasing the possibility of climbing the social ladder, they also directly harm the economy. Students that have high debt lose time to advance their career properly, thus being less useful to society as you put it.
http://www.theguardian.com/higher-education-network/blog/2013/jan/24/value-of-uk-degree-investmentYour last point is one of the biggest lies in neoliberal capitalism. These "assets" don't work, they just shift power. The trickle down effect is minimal, yet it has been repeated over and over and everyone seems to swallow it. Indoctrination as its finest.
http://www.theguardian.com/commentisfree/2014/jan/20/trickle-down-economics-broken-promise-richest-85Do you even have an idea how much money is removed from economic circulation because its concentrated in the hands of the super rich? $21 billion. 21 billion dollars that are not used for investment in better education, infrastructure or anything else benefitial to society. 21 billion dollars that are not taxed and are only used to shift power and control over future source of income.
http://www.forbes.com/sites/frederickallen/2012/07/23/super-rich-hide-21-trillion-offshore-study-says/#5357f60373d3