Re: An easy explanation of insurance
Mace,
The problem is, who's going to pay for millions of dollars for every broke ass person? What about the effect this has on willingness to work? I don't know about the culture of your part of the world, but there are tens of millions of residents in the USA happy to live on government assistance for their every need for their whole lives. Whole generations are raised with this understanding of how life in America works.
What's an actual reasonable level of assistance? We can't cover everyone for everything. Nobody, even the uber rich, has the money for this many people. And every increase in the level of free services leads to more people less motivated to ever be productive and higher costs for aiding the poor.
I agree that we should offer decent care to the poor. But our systems for doing this are already monumentally fraud-ridden and unsustainable. If everyone wanted to work, we'd have no problem helping those who really need it with a high quality of care. But literally tens of millions have absolutely no interest in doing anything. And bringing our level of care down to that of socialized nations is hardly justified by catering to their sorry asses.