Healthcare is Worth Paying For

Insurance is not meant to remove risk, it is meant to manage risk. Risk-taking is what has made the USA great; but if it doesn't work out, the fault is your own and no one else should be required to take that consequence away. People like family members and neighbors can and should help, but it is really up to the individual in most cases to deal with the consequences which usually include some sacrifice. Imagine if State Farm has a new rule. Everyone who gets in a car accident in the morning can now get a policy in the afternoon and require State Farm to pay for a new car. It is not right. It is not what insurance is meant to do. It is the persons responsibility to get insurance before the accident and to find new insurance before relinquishing the old. This is a personal responsibility. If a person thinks they will never get sick; and then they do, should you have to pay for it? No, the person should have to pay, and the consequence might be difficult to bear. That is the consequence of freedom, and that person chose wrong.

Before we continue down this road that leads to government control of everything we do, let's stop to consider why we are here. Barney Frank and others propped up Fanny and Freddie to allow people who couldn't afford their mortgages to get mortgages. What type of effect did that have on the economy. Well, the source of the freefall in our economy was two-fold. On one hand we had the greed of the lower and middle class people who wanted to live in a home they couldn't afford. We also had people in Washington who felt bad that some people have to rent, so they tried to make it a human right to own a home. This led to loads of people who (if you tell it right) lied to mortgage companies embellishing their (in)ability to pay a mortgage and then lying again by not paying the bill they promised to pay. Loads of people started to buy into this lie. They actually believed the American public which promised to pay their bills. They thought that they could make a lot of money by selling these loans and insurance on these loans until the lie hit the fan. Whose fault is it? It is everyone who believed the lie and sold something that was too good to be true. But, it is even more so the fault of the liars who defaulted on their loans.

At some point you have to put the blame where the blame belongs. It belongs on the American people who played any role in not being honest. There was greed by the sellers, but even more by the buyers. That was (and unfortunately is) a lot of people. Certainly, some people fall on hard times and can't pay a loan. Those people then sell the house. But there were too many people who wanted to live outside of their ability to pay and then give that debt to America. This is what is happening now. People are saying they don't want to have responsibility for their own choices. They don't want to make choices and pay for their own healthcare and that of their families. So what happens now? That freedom to choose goes away. It is given away to the bureacracy which does not give any favor to integrity and hard work. Instead it favors those who can work but don't, and those who like things that are free. This slippery slope has been tried over and over in other countries with devastating effects. It leads to less and less freedom. Your values may not be honored by the government. Your religion may not be tolerated by the government. And your views may be marginalized and ridiculed and even violently opposed. We're just starting to see a glimmer of this in the culture. When you grab the tail of the rattlesnake you will soon enough get the head.