Born in the 40's, grew up in the 50's and lived in the America we (the older ones) once knew. 

The real world according to DH:

A needed amendment to the Constitution.

The Government shall write no bill that causes any citizen to pay money or transfer property to any private individual, business, or entity for goods or services, either directly or indirectly.

Stop and think about how many professions, jobs and services we pay for each year that exist solely upon a government regulation or law.  For example...accountants and tax preparers, manufacturers of safety belts......the list goes on and on and on.

Have you been robbed lately?

Insurance: Being robbed on the installment plan.

Have you ever stopped to think that without medical insurance, medical costs would generally be affordable.  If we did not have liability insurance most in the legal profession would be out of a job. 

Insurance is the cause of out of control costs.  It's called "deep pockets" and is the flame that the moth is drawn to every time.  No matter how much the outlay, increased premiums cover the cost....and with a profit margin to boot!  The robbery just goes in a big circle.