While repealing laws and police reforms are important in alleviating mass incarceration, the problem is likely to continue as long as prosecutors are permitted to operate with so few constraints.
When colleges or hospitals are guaranteed payment by a third party, such as Sallie Mae or a health insurance company, it's only natural to raise prices on the student or patient. In these cases, the user's ability to pay becomes almost irrelevant.
The introduction of money does not alter the fact that individuals still have to produce something useful in order to secure some other useful goods for themselves.