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From my post above.The loans were mostly paid back.Absolutely not. That's why you should never cater to these people. If government stayed out of it, and left banks to make their own lending rules, those people would have never had the opportunity to buy a home in the first place. Yes, they would have continued to cry and charge racism, but in the end, it would have served them better.
The government got involved by trying to lure those people to buy houses for political advantage. What they really ended up doing is screwing those people.
Minorities' Home Ownership Booms Under Clinton but Still Lags Whites'
The banks were indeed also culpable for what went on. See, I don't try and hide the government's involvement here unlike you and others do with the banks.
So how did we address the mess? We kicked people out of their houses, sometimes illegally, sometimes people who could have stayed but then gave banks billions.
The banks? At least we are no longer claiming they were all paid back.
They were paid back in part with other government programs that were never paid back. (HARP)
- HARP was a government program designed to help underwater homeowners—with homes worth less than the outstanding mortgage balance—refinance their loans.
- The program expired on Dec. 31, 2018.
- HARP allowed mortgagors to either lower their monthly mortgage payments or to pay down the loan faster by lowering their interest rates, and allowed them to build more equity.
- After it expired, Fannie Mae and Freddie Mac rolled out high LTV programs for distressed homeowners.
And lets not forget that HARP was a government bail out intended actually to help the banks, because the assets banks held in real estate were losing so much value due to the glut of backlogged foreclosures, that the banks could no longer make an loans without something like HARP.
Slowing down foreclosures was intended to help the banks, not the homeowners.
The loans were mostly paid back.Absolutely not. That's why you should never cater to these people. If government stayed out of it, and left banks to make their own lending rules, those people would have never had the opportunity to buy a home in the first place. Yes, they would have continued to cry and charge racism, but in the end, it would have served them better.
The government got involved by trying to lure those people to buy houses for political advantage. What they really ended up doing is screwing those people.
Minorities' Home Ownership Booms Under Clinton but Still Lags Whites'
The banks were indeed also culpable for what went on. See, I don't try and hide the government's involvement here unlike you and others do with the banks.
So how did we address the mess? We kicked people out of their houses, sometimes illegally, sometimes people who could have stayed but then gave banks billions.
The loans were mostly paid back.
The US Treasury made tens of billions on bank TARP.
No they didn't. We've done this already. Tarp was paid back in large part by Harp. It was all a scam.
You're so dumb.
HARP was about $20 billion.
Bank TARP was $245 billion.
Even a liberal should be able to see the difference.
When the hell has anything that the filthy government done that the cost didn't skyrocket? the government fucks up everything it touches. Just look at the corruption and mismanagement of the VA system, as an example. Trump had to go to the private sector to help fix that problem.
Their ain't no such thing as a free lunch. If you are going to give the stupid government control of your health care you are going to pay up the ass for it.
It is comical to see how naive you stupid Moon Bats are about the government. You dumb mutherfuckers think the government is your friend.
Everything has skyrocketed. Trucks are now $60-$80k in many cases. What do you consider that?
I consider it another one of your diversions. Health Insurance Inflation
You ignoring that everything has gone up but only condemning it one area is the one doing the diverting.
Did Obamacare address any portion of costs? No, it was a total failure and a sell out to wall street.
Inflation is not the cause of increased health care costs.
Health care costs are rising at over twice the rate of inflation.
Health care costs are rising due to insurance companies deliberately creating prepaid medical monopolies that prevent people from being able to shop around and get reasonable prices.
That's only part of the root cause (and a small part of it), the majority of the price increase goes back to good old SUPPLY AND DEMAND, namely supply isn't keeping up with accelerating demand, in part because the consumer has been decoupled from the COST (leading to over consumption) and in part because the citizenry is FAT, SICK AND NEARLY DEAD due to poor lifestyle choices (diet and exercise).
If we keep going the way we're going with our lifestyle choices, health care costs due to treatment of chronic diseases and lost productivity will be so high that the nation will be bankrupt no matter what "system" of health insurance we adopt.
You could do the same thing by allowing hospitals and doctors to advertise their prices and services. Paying cash, by allowing Health Savings Accounts, is another way to lower cost.Everything has skyrocketed. Trucks are now $60-$80k in many cases. What do you consider that?
You are really dumb Moon Bat, aren't you? Either that or confused about everything, which is evident.
Of course pathetic little Moon Bats like you don't worry about cost because you want the government to control health care so you can get it for free. You are a greedy Moon Bat that thinks you are entitled to free health care simply because you are alive and the government will give it to you.
I have a much better idea than the fucking government doing health care. I'll provide for my own health care and you provide for yours and we leave the corrupt bloated oppressive government out of it. How does that sound Sport?
That's right, rather than address my point get triggered and call me names.
Typical.
You should be called names because you are confuses about this big time. You don't get a pass when you take idiotic positions. It doesn't get any more idiotic than advocating that the fucking government control our health care.
I did answer your confusion by saying that the right thing to do is for you pay for your health care and I pay for mine and we leave the worthless corrupt bloated oppressive government out of it.
First of all, anyone claiming that single payer or public health care takes control of anyone's health care, is just lying.
The whole rest of the civilized world has single payer or public health care, and no where has government taken control.
You can still buy whatever private health care you want in any nation.
All public or single payer does is provide a minimal medical safety net, to break private monopoly and ensure there is at least SOME competition, to bring down prices.
Yeah, quite the polished presentation. Of course there's some truth to every assertion. Way beyond Andy's normal capabilities though so vastly lifted from a Koch Bros think tank bucket no doubt. Problem is some of us were quite alive and aware throughout. Typical rw nutjob rewriting of history. Corporate corruption? Oh np, we'll just skip ahead to everyone freaking out over the outcome and look back very selectively so as to put all the blame on govt. Greedy private lenders, bundlers, financial advisors, investors, insurers? All innocent as the driven snow. Govt made me do it! Bad govt, BAD! Government changed the market incentives causing banks to make bad loans!I haven't argued that the government didn't push for lower standards. The banks did it when they were freed up and the government gaurantees the loans.
Greenspan said his biggest mistake in trusting that the banks would do the right thing.
Greenspan, was a brilliant idiot. You can't trust people to do the right thing, when government is directly suing people to do the wrong thing.
The banks did it when they were freed up and the government gaurantees the loans.
And there is where the rub comes. If the government guaranteed the loans..... then the banks didn't do it.
The banks were always 'freed up'. There was never anything that prevented banks from making a sub-prime loan. Any bank could have made a subprime loan before the 90s, or the 80s, or even the 70s. Nothing ever prevented a bank from making a bad loan.
They simply didn't. Why? Because it was a bad loan. Without government backing the loan, they would have lost money. So they simply didn't make the loan.
It was government, not the banks, which changed the market incentives, which caused banks to make bad loans.
This is why I say it's 99% government. You are pointing to 1% of the cause. If government had not guaranteed those loans.... we wouldn't be discussing a subprime crash, because it never would have happened.
Before 1997, when Freddie Mac guaranteed sub-prime loans, and allowed them to be bundled with prime loans.... subprime was a niche market. Flat growth from the graph I posted before.
At least I am grateful you are aware of the issue unlike others.
Yeah, right. Cry me a river. Who corrupted the govt officials to play along? No higher govt position or salary is lucrative enough for any professional to take on such huge personal risk. It takes a system wide concerted effort by groups of private shitheads with deep, deep pockets and a common commitment to steal all they possibly can in order to keep gaining vastly more. We corrupted them and then they helped us. See? Their fault! We're victims!
First you get some money, then you corrupt some power, then you get boatloads more money! Want to know who's really to blame? Same as ever.. duh!.. follow the money! Proof that greed uber alles capitalism has been attempted enough and run its course. The supposed "free market" is and always was bullshit doomed to fail. Significant public transparency and oversight is absolutely required. Legal ability to hide and take zero responsibility is the problem.
Agreed.
Government was only responsible for the real estate collapse in that they had repealled Glass-Steagall, and allowed banks to make incredibly risky loans to each other, knowing the government would then be forced to bail them out.
The claim banks were forced to make risky loans to poor and Blacks through prosecution of discrimination cases again banks is a lie.
None of those prosecutions were to help unqualified buyers.
Unqualified buyers had nothing at all to do with the 2008 real estate collapse.
The buyers were not defaulting on payments until after the the ARM rates almost doubled, and no ordinary person could have made those increased payments.
And the defaults were caused by the banks refusing to refinance at fixed rates.
Government was only responsible for the real estate collapse in that they had repealled Glass-Steagall, and allowed banks to make incredibly risky loans to each other, knowing the government would then be forced to bail them out.
Glass-Steagall didn't prevent banks from writing bad mortgages.
Of course you have no proof of this. There were banks sued for redlining. As they should have been.
Of course you have no proof of this.
You want proof that Obama sued banks in Chicago?
Or that he forced them to make more loans in black neighborhoods?
There were banks sued for redlining.
Banks must make loans to poor people with bad credit scores.
What's the worst that could happen?
Banks were turning down loans for people who would otherwise qualify for a loan based solely on the neighborhood.
Now you may argue a business should be able to do this. Overall I would agree......except for when they take money from the government which they all do.
Banks were turning down loans for people who would otherwise qualify for a loan based solely on the neighborhood.
The data doesn't support your feeling.
I can provide many examples but this one stuck out because it is Trump's justice Dept doing the suing.
Justice Department Sues KleinBank for Redlining Minority Neighborhoods in Minnesota
Thanks for the link.
Where is the part that showed the minority borrowers had lower default rates than other borrowers?
The loans were mostly paid back.Absolutely not. That's why you should never cater to these people. If government stayed out of it, and left banks to make their own lending rules, those people would have never had the opportunity to buy a home in the first place. Yes, they would have continued to cry and charge racism, but in the end, it would have served them better.
The government got involved by trying to lure those people to buy houses for political advantage. What they really ended up doing is screwing those people.
Minorities' Home Ownership Booms Under Clinton but Still Lags Whites'
The banks were indeed also culpable for what went on. See, I don't try and hide the government's involvement here unlike you and others do with the banks.
So how did we address the mess? We kicked people out of their houses, sometimes illegally, sometimes people who could have stayed but then gave banks billions.
The loans were mostly paid back.
The US Treasury made tens of billions on bank TARP.
No they didn't. We've done this already. Tarp was paid back in large part by Harp. It was all a scam.
You're so dumb.
HARP was about $20 billion.
Bank TARP was $245 billion.
Even a liberal should be able to see the difference.
Yeah, quite the polished presentation. Of course there's some truth to every assertion. Way beyond Andy's normal capabilities though so vastly lifted from a Koch Bros think tank bucket no doubt. Problem is some of us were quite alive and aware throughout. Typical rw nutjob rewriting of history. Corporate corruption? Oh np, we'll just skip ahead to everyone freaking out over the outcome and look back very selectively so as to put all the blame on govt. Greedy private lenders, bundlers, financial advisors, investors, insurers? All innocent as the driven snow. Govt made me do it! Bad govt, BAD! Government changed the market incentives causing banks to make bad loans!I haven't argued that the government didn't push for lower standards. The banks did it when they were freed up and the government gaurantees the loans.
Greenspan said his biggest mistake in trusting that the banks would do the right thing.
Greenspan, was a brilliant idiot. You can't trust people to do the right thing, when government is directly suing people to do the wrong thing.
The banks did it when they were freed up and the government gaurantees the loans.
And there is where the rub comes. If the government guaranteed the loans..... then the banks didn't do it.
The banks were always 'freed up'. There was never anything that prevented banks from making a sub-prime loan. Any bank could have made a subprime loan before the 90s, or the 80s, or even the 70s. Nothing ever prevented a bank from making a bad loan.
They simply didn't. Why? Because it was a bad loan. Without government backing the loan, they would have lost money. So they simply didn't make the loan.
It was government, not the banks, which changed the market incentives, which caused banks to make bad loans.
This is why I say it's 99% government. You are pointing to 1% of the cause. If government had not guaranteed those loans.... we wouldn't be discussing a subprime crash, because it never would have happened.
Before 1997, when Freddie Mac guaranteed sub-prime loans, and allowed them to be bundled with prime loans.... subprime was a niche market. Flat growth from the graph I posted before.
At least I am grateful you are aware of the issue unlike others.
Yeah, right. Cry me a river. Who corrupted the govt officials to play along? No higher govt position or salary is lucrative enough for any professional to take on such huge personal risk. It takes a system wide concerted effort by groups of private shitheads with deep, deep pockets and a common commitment to steal all they possibly can in order to keep gaining vastly more. We corrupted them and then they helped us. See? Their fault! We're victims!
First you get some money, then you corrupt some power, then you get boatloads more money! Want to know who's really to blame? Same as ever.. duh!.. follow the money! Proof that greed uber alles capitalism has been attempted enough and run its course. The supposed "free market" is and always was bullshit doomed to fail. Significant public transparency and oversight is absolutely required. Legal ability to hide and take zero responsibility is the problem.
Agreed.
Government was only responsible for the real estate collapse in that they had repealled Glass-Steagall, and allowed banks to make incredibly risky loans to each other, knowing the government would then be forced to bail them out.
The claim banks were forced to make risky loans to poor and Blacks through prosecution of discrimination cases again banks is a lie.
None of those prosecutions were to help unqualified buyers.
Unqualified buyers had nothing at all to do with the 2008 real estate collapse.
The buyers were not defaulting on payments until after the the ARM rates almost doubled, and no ordinary person could have made those increased payments.
And the defaults were caused by the banks refusing to refinance at fixed rates.
Government was only responsible for the real estate collapse in that they had repealled Glass-Steagall, and allowed banks to make incredibly risky loans to each other, knowing the government would then be forced to bail them out.
Glass-Steagall didn't prevent banks from writing bad mortgages.
Of course you have no proof of this. There were banks sued for redlining. As they should have been.
Of course you have no proof of this.
You want proof that Obama sued banks in Chicago?
Or that he forced them to make more loans in black neighborhoods?
There were banks sued for redlining.
Banks must make loans to poor people with bad credit scores.
What's the worst that could happen?
Banks were turning down loans for people who would otherwise qualify for a loan based solely on the neighborhood.
Now you may argue a business should be able to do this. Overall I would agree......except for when they take money from the government which they all do.
Banks were turning down loans for people who would otherwise qualify for a loan based solely on the neighborhood.
The data doesn't support your feeling.
I can provide many examples but this one stuck out because it is Trump's justice Dept doing the suing.
Justice Department Sues KleinBank for Redlining Minority Neighborhoods in Minnesota
Thanks for the link.
Where is the part that showed the minority borrowers had lower default rates than other borrowers?
When the hell has anything that the filthy government done that the cost didn't skyrocket? the government fucks up everything it touches. Just look at the corruption and mismanagement of the VA system, as an example. Trump had to go to the private sector to help fix that problem.
Their ain't no such thing as a free lunch. If you are going to give the stupid government control of your health care you are going to pay up the ass for it.
It is comical to see how naive you stupid Moon Bats are about the government. You dumb mutherfuckers think the government is your friend.
Everything has skyrocketed. Trucks are now $60-$80k in many cases. What do you consider that?
You are really dumb Moon Bat, aren't you? Either that or confused about everything, which is evident.
Of course pathetic little Moon Bats like you don't worry about cost because you want the government to control health care so you can get it for free. You are a greedy Moon Bat that thinks you are entitled to free health care simply because you are alive and the government will give it to you.
I have a much better idea than the fucking government doing health care. I'll provide for my own health care and you provide for yours and we leave the corrupt bloated oppressive government out of it. How does that sound Sport?
That's right, rather than address my point get triggered and call me names.
Typical.
You should be called names because you are confuses about this big time. You don't get a pass when you take idiotic positions. It doesn't get any more idiotic than advocating that the fucking government control our health care.
I did answer your confusion by saying that the right thing to do is for you pay for your health care and I pay for mine and we leave the worthless corrupt bloated oppressive government out of it.
First of all, anyone claiming that single payer or public health care takes control of anyone's health care, is just lying.
The whole rest of the civilized world has single payer or public health care, and no where has government taken control.
You can still buy whatever private health care you want in any nation.
All public or single payer does is provide a minimal medical safety net, to break private monopoly and ensure there is at least SOME competition, to bring down prices.
AbsolutelyYou could do the same thing by allowing hospitals and doctors to advertise their prices and services. Paying cash, by allowing Health Savings Accounts, is another way to lower cost.You are really dumb Moon Bat, aren't you? Either that or confused about everything, which is evident.
Of course pathetic little Moon Bats like you don't worry about cost because you want the government to control health care so you can get it for free. You are a greedy Moon Bat that thinks you are entitled to free health care simply because you are alive and the government will give it to you.
I have a much better idea than the fucking government doing health care. I'll provide for my own health care and you provide for yours and we leave the corrupt bloated oppressive government out of it. How does that sound Sport?
That's right, rather than address my point get triggered and call me names.
Typical.
You should be called names because you are confuses about this big time. You don't get a pass when you take idiotic positions. It doesn't get any more idiotic than advocating that the fucking government control our health care.
I did answer your confusion by saying that the right thing to do is for you pay for your health care and I pay for mine and we leave the worthless corrupt bloated oppressive government out of it.
First of all, anyone claiming that single payer or public health care takes control of anyone's health care, is just lying.
The whole rest of the civilized world has single payer or public health care, and no where has government taken control.
You can still buy whatever private health care you want in any nation.
All public or single payer does is provide a minimal medical safety net, to break private monopoly and ensure there is at least SOME competition, to bring down prices.
The best way to lower cost is simply to get the government out of the business of regulating health care and let the market establish the price.
I trust a company trying to put out a quality product at a competitive cost in a competitive market a lot more than I trust a government bureaucrat with my health care.
Everything has skyrocketed. Trucks are now $60-$80k in many cases. What do you consider that?
You are really dumb Moon Bat, aren't you? Either that or confused about everything, which is evident.
Of course pathetic little Moon Bats like you don't worry about cost because you want the government to control health care so you can get it for free. You are a greedy Moon Bat that thinks you are entitled to free health care simply because you are alive and the government will give it to you.
I have a much better idea than the fucking government doing health care. I'll provide for my own health care and you provide for yours and we leave the corrupt bloated oppressive government out of it. How does that sound Sport?
That's right, rather than address my point get triggered and call me names.
Typical.
You should be called names because you are confuses about this big time. You don't get a pass when you take idiotic positions. It doesn't get any more idiotic than advocating that the fucking government control our health care.
I did answer your confusion by saying that the right thing to do is for you pay for your health care and I pay for mine and we leave the worthless corrupt bloated oppressive government out of it.
First of all, anyone claiming that single payer or public health care takes control of anyone's health care, is just lying.
The whole rest of the civilized world has single payer or public health care, and no where has government taken control.
You can still buy whatever private health care you want in any nation.
All public or single payer does is provide a minimal medical safety net, to break private monopoly and ensure there is at least SOME competition, to bring down prices.
Obese patients and smokers banned from routine surgery in 'most severe ever' rationing in the NHS
Fat in Japan? You're breaking the law.
Don't say it can't happen here.
Liberal morons think the same people that can’t get homeless people in shipping container houses for less than 600k a unit are going to get them cheaper healthcare.
Fricken idiots.
That is just a lie.
The shipping container tiny home route is working fine and costs less than $20k per unit.
Tiny Home Village
Government is running Medicare and the VA now, at administrative costs about only 10% of what insurance companies and medical provider corporations charge.
One of the main reasons for this is that currently, tens of billions are wasted on all the insurance form paperwork and the admin expertise on how to fill it all out.
Not in California
Letter: $600,000? For a container house? – The Mercury News
Everything has skyrocketed. Trucks are now $60-$80k in many cases. What do you consider that?
You are really dumb Moon Bat, aren't you? Either that or confused about everything, which is evident.
Of course pathetic little Moon Bats like you don't worry about cost because you want the government to control health care so you can get it for free. You are a greedy Moon Bat that thinks you are entitled to free health care simply because you are alive and the government will give it to you.
I have a much better idea than the fucking government doing health care. I'll provide for my own health care and you provide for yours and we leave the corrupt bloated oppressive government out of it. How does that sound Sport?
That's right, rather than address my point get triggered and call me names.
Typical.
You should be called names because you are confuses about this big time. You don't get a pass when you take idiotic positions. It doesn't get any more idiotic than advocating that the fucking government control our health care.
I did answer your confusion by saying that the right thing to do is for you pay for your health care and I pay for mine and we leave the worthless corrupt bloated oppressive government out of it.
Do you think any politician would ever get elected on running on ending Medicare?
I would vote for anybody that ran on that platform.
You would be an idiot if you didn't also vote for him/her.
It takes courage to do the right thing and undo government screw ups. Too bad we don't have very many politicians with courage. Those same gutless assholes are the ones that you stupid Moon Bats want to run your health care. Then you wonder why we ridicule you so much.
Local banks who didn't make enough loans in black areas.
Suing a local bank made Countrywide, Goldman Sachs, etc make bad loans?
Nope. Suing a local bank made a local bank write bad mortgages.
While Glass-Stegall was still law......weird.
Of course you have no proof of this. There were banks sued for redlining. As they should have been.
Of course you have no proof of this.
You want proof that Obama sued banks in Chicago?
Or that he forced them to make more loans in black neighborhoods?
There were banks sued for redlining.
Banks must make loans to poor people with bad credit scores.
What's the worst that could happen?
Banks were turning down loans for people who would otherwise qualify for a loan based solely on the neighborhood.
Now you may argue a business should be able to do this. Overall I would agree......except for when they take money from the government which they all do.
Liberal morons think the same people that can’t get homeless people in shipping container houses for less than 600k a unit are going to get them cheaper healthcare.
Fricken idiots.
That is just a lie.
The shipping container tiny home route is working fine and costs less than $20k per unit.
Tiny Home Village
Government is running Medicare and the VA now, at administrative costs about only 10% of what insurance companies and medical provider corporations charge.
One of the main reasons for this is that currently, tens of billions are wasted on all the insurance form paperwork and the admin expertise on how to fill it all out.
Not in California
Letter: $600,000? For a container house? – The Mercury News
Not according to the Mercury New's own articles.
San Jose: Controversial affordable housing development stalls
{...
“Over the past several years, development plans for the site have started and stopped due to several factors, including visioning for the site, community engagement and financing,” housing director Jacky Morales-Ferrand wrote in a new memo to the City Council. “After numerous attempts by the nonprofit developer, Allied Housing, to secure construction financing for a proposed development of 61 apartments using modular construction, Allied Housing was unable to secure construction financing.”
According to the memo, lenders were wary of investing in a development slated to include repurposed shipping containers.
...
The news comes as rents and home prices in San Jose soar out of reach for many residents, and makes more challenging a commitment Mayor Sam Liccardo made a couple of years ago to add 10,000 affordable units in the next several years. It also comes as the city and county face a growing homelessness crisis. According to the latest figures, more than 6,000 San Jose residents are homeless, up from around 4,350 two years ago.
Since 2002, San Jose has poured nearly $11 million into purchasing and preparing the site for development, and the city — along with Santa Clara County and the Santa Clara County Housing Authority — had committed millions more to the project.
...}
The number of units is unclear, ranging from 61 to 10,000.
But at worst case scenario, that is only $180k per unit, not $600k as you are claiming.
And while that is high, it is not unreasonable for CA, land development, utilities, etc.
You’re one of the idiots. Less paperwork with government? LMAO!Liberal morons think the same people that can’t get homeless people in shipping container houses for less than 600k a unit are going to get them cheaper healthcare.
Fricken idiots.
That is just a lie.
The shipping container tiny home route is working fine and costs less than $20k per unit.
Tiny Home Village
Government is running Medicare and the VA now, at administrative costs about only 10% of what insurance companies and medical provider corporations charge.
One of the main reasons for this is that currently, tens of billions are wasted on all the insurance form paperwork and the admin expertise on how to fill it all out.
Medicare to go broke three years earlier than expected ...You are really dumb Moon Bat, aren't you? Either that or confused about everything, which is evident.
Of course pathetic little Moon Bats like you don't worry about cost because you want the government to control health care so you can get it for free. You are a greedy Moon Bat that thinks you are entitled to free health care simply because you are alive and the government will give it to you.
I have a much better idea than the fucking government doing health care. I'll provide for my own health care and you provide for yours and we leave the corrupt bloated oppressive government out of it. How does that sound Sport?
That's right, rather than address my point get triggered and call me names.
Typical.
You should be called names because you are confuses about this big time. You don't get a pass when you take idiotic positions. It doesn't get any more idiotic than advocating that the fucking government control our health care.
I did answer your confusion by saying that the right thing to do is for you pay for your health care and I pay for mine and we leave the worthless corrupt bloated oppressive government out of it.
Do you think any politician would ever get elected on running on ending Medicare?
I would vote for anybody that ran on that platform.
You would be an idiot if you didn't also vote for him/her.
It takes courage to do the right thing and undo government screw ups. Too bad we don't have very many politicians with courage. Those same gutless assholes are the ones that you stupid Moon Bats want to run your health care. Then you wonder why we ridicule you so much.
Medicare is one of the most successful programs in the whole country, with admin costs less than 10% that of private health care. The only reason Medicare is not better is that it does not hire its own doctors and nurses directly, like the VA does, and would be even more efficient.
You could do the same thing by allowing hospitals and doctors to advertise their prices and services. Paying cash, by allowing Health Savings Accounts, is another way to lower cost.Everything has skyrocketed. Trucks are now $60-$80k in many cases. What do you consider that?
You are really dumb Moon Bat, aren't you? Either that or confused about everything, which is evident.
Of course pathetic little Moon Bats like you don't worry about cost because you want the government to control health care so you can get it for free. You are a greedy Moon Bat that thinks you are entitled to free health care simply because you are alive and the government will give it to you.
I have a much better idea than the fucking government doing health care. I'll provide for my own health care and you provide for yours and we leave the corrupt bloated oppressive government out of it. How does that sound Sport?
That's right, rather than address my point get triggered and call me names.
Typical.
You should be called names because you are confuses about this big time. You don't get a pass when you take idiotic positions. It doesn't get any more idiotic than advocating that the fucking government control our health care.
I did answer your confusion by saying that the right thing to do is for you pay for your health care and I pay for mine and we leave the worthless corrupt bloated oppressive government out of it.
First of all, anyone claiming that single payer or public health care takes control of anyone's health care, is just lying.
The whole rest of the civilized world has single payer or public health care, and no where has government taken control.
You can still buy whatever private health care you want in any nation.
All public or single payer does is provide a minimal medical safety net, to break private monopoly and ensure there is at least SOME competition, to bring down prices.
Everything has skyrocketed. Trucks are now $60-$80k in many cases. What do you consider that?
I consider it another one of your diversions. Health Insurance Inflation
You ignoring that everything has gone up but only condemning it one area is the one doing the diverting.
Did Obamacare address any portion of costs? No, it was a total failure and a sell out to wall street.
Inflation is not the cause of increased health care costs.
Health care costs are rising at over twice the rate of inflation.
Health care costs are rising due to insurance companies deliberately creating prepaid medical monopolies that prevent people from being able to shop around and get reasonable prices.
That's only part of the root cause (and a small part of it), the majority of the price increase goes back to good old SUPPLY AND DEMAND, namely supply isn't keeping up with accelerating demand, in part because the consumer has been decoupled from the COST (leading to over consumption) and in part because the citizenry is FAT, SICK AND NEARLY DEAD due to poor lifestyle choices (diet and exercise).
If we keep going the way we're going with our lifestyle choices, health care costs due to treatment of chronic diseases and lost productivity will be so high that the nation will be bankrupt no matter what "system" of health insurance we adopt.
Regardless of whether the 3rd party decoupled the consumer of the costs and consequences of their life style, or whether it decoupled them from being able to contest pricing or quality of services, clearly 3rd party, prepaid, health care, has totally and completely failed.
It is not working and can not be fixed without getting rid ot the third party.
And the third party is the insurance company, which adds nothing and greatly takes away.
It is not even the profits they skim that is the worst, but the vast overhead they add in administrative costs for all their required paperwork for claims.
Likely we should switch from a pre-paid system of premiums, to where government underwrites guarantees medical loans you post pay, after you get medical services. That way payments could be based on ability to pay and people below poverty level have their medical loans forgiven.
