Comments by "Harry Mills" (@harrymills2770) on "Lower Everyones Taxes and Stop Killing Third World Children" video.
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Health insurance was invented because the federal government froze wages during the Depression, and the BIG COMPANIES used BENEFITS as a loophole to pay their people more without violating the law. From the start, government intrusion was a way to favor big over small. Small companies couldn't afford those benefits. But until that time, everybody knew health insurance was silly. You insure a car. You total the car when the cost is greater than the replacement cost. You can't do that with a human being, so more and more gets spent, because who could be against THAT? They change the rules, requiring insurance companies to cover treatments that didn't even exist when they set their rates, and the insurance companies must raise their rates.
It's a death spiral, basically. And more and more of the people who would be GOOD doctors are choosing different careers.
All these actuaries (The guys who do the calculations of rates for insurers) need to protect the survival of their insurance companies, and when government can change the rules on them at any time and force them to insure treatments that weren't originally covered, they need to rake in EXTRA money, in the expectation that they will be paying more in the future. Not to do so is a disservice to stockholders, and a guarantee of future bankruptcy. So our insurance rates are based, in part, on imagined costs in the future that do not exist, today. It looks like profiteering, but it's just prudence, with the government such a big stakeholder and price-setter in health care.
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We live in an age when education should cost very little to provide, by private vendors. But we're locked into a public education system that, by its nature, can only become more expensive for the value provided. Government intrusion has made the product worse and the cost for the product higher. This, to liberals, is a dog whistle for MORE government intrusion and MORE well-meaning but stupidly expensive programs to solve the problems that the same people created in the first place.
In private business, they'd be OUT of business. But because they can take money from citizens by force, there is no incentive to do things better, and all the "improvements" amount to watering-down the curriculum and adding nonsense to the curriculum. I think there's a small but growing number of people who are taking charge of their kids' education, and I'm SEEING those kids at my community college, taking college-level course at 14, 15 years of age. These kids aren't all super-geniuses. They just had better training by motivated parents who transmitted that motivation to their children.
If you WANT to learn and have average intelligence, you CAN. And you can learn much more than is taught in public schools, much more quickly. Liberals are still stuck in a 19th-Century world view, where improvement meant creating a bureaucracy. But the centralized, bureaucratic approach is NOT suited for a rapidly changing world, using methods that were revolutionary in the 18th and 19th Century, when we were trying to cope with the industrial revolution. Yes. Herding the kids to one place for "schooling" is a great way to get Mom AND Dad to work, with free baby-sitters and a growing tax base to support whatever government wants (wanted) supported.
Yes, let's get all the kids in one place, so EVERYbody catches the flu, when it's in season. Yes, let's also make sure they're in gun-free zones, so that a mass shooter has lots of soft targets. Let's put them all on school buses. Let's make sure they're in classrooms where one child acting out can ruin the lessons for everybody, and let's make sure that you can't get the acter-outers out of that classroom. Just tell the teacher to deal with it, and add expensive training (that has nothing to do with the actual lessons), so that teachers can be clinical psychologists and social workers. As long as they get certified, we don't care if our k-12 teachers are actual masters of the material they're supposed to be teaching.
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