✅ Plain-language lesson

Neoliberalism replaced public funding with “user pays”:

  • Student loans

  • Private health

  • Tolls

  • Fines and fees

  • Paid parking

  • Higher TAFE and university costs

Instead of funding services with public money, governments shifted costs onto individuals.

This created:

  • Debt

  • Inequality

  • Barriers to education

  • Profit-driven healthcare

The idea that “taxpayers can’t afford it” was used to justify cuts — even though Australia can create its own currency.

✅ Discussion Question

Which services should be returned to full public funding?

✅ PDF – Module 4 Handout