What we do have, is the availability of more expensive plans and companies.
It's the same argument I keep hearing people make about "dur dur college is expensive in the states." It's not. 2 years of community college for gen-eds, 2 years state school, BS costs $25k over 4 years, and if you finish in 3, it costs less. You can also take college courses or get a full year of college credits in high school if you study. You can get a bachelor's for under $20k total from a good state school. But yes, my little brother spent 40k/year and has 6-figure debt and a 5-figure salary.
Stupid people, make stupid choices. In the land of the free, we make the guidance and information available, and let them fail. Good.
Norway is sparely populated? That country the size of Montana (one of many states), with five times the population? Dare I say, have you ever Driven across the US?