On Sat, Nov 15, 2008 at 8:51 AM, Nick Arnett <[EMAIL PROTECTED]> wrote:

>  That's the thinking that gave us the S&L collapses, the Keating
> Five, the sub-prime crisis, etc.

Actually, bad government regulation contributed to all of those, Dems and Reps
both. And no one has consistently predicted such things. You can't
preempt what you can't predict.

> They failed to notice, or perhaps only failed to care, that a catastrophe was 
> brewing.

Did you make any posts predicting the housing crisis before, say,
2004? Did you suggest a way to preempt it? You seem like a clever guy.
If you didn't, why do you think the politicians could? And even if
they could, why would they? Their incentives are to try to please
people who can get them reelected, and to not make any decisions that
displease those people or that can prove to be decisively wrong come
election time.

> A sub-prime loan is little more than a way to trick home buyers into
> assuming far more risk than they can understand.

 It is a good thing we have you (and politicians) to look out for the
all those people who can't understand a mortgage.

> Thus, failure to address the mess that is health insurance is also clearly
> related to the mortgage crisis.

The government has certainly made a mess of health insurance. The best
thing the government could do would be to remove the laws that make it
difficult for health insurance providers to serve customers in
different states, and especially to remove the subsidy for employer
provided health care which makes health-care more expensive for the
self-employed and unemployed.
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