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You’re obviously a big Gov kind of guy.
When the kind of tyranny that you advocate gets its foot in the door, it grows and grows until it consumes everything.
Personal responsibility has to rule the day.
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Turning it over to the owner and insurers IS about “personal responsibility”. Do you get your car registration without car insurance?
I am in favor of many other aspects of “local city housing permitting” stuff being turned over to the insurers, and out of the hands of petty bureaucrats. If the insurer is happy that what the owner is doing is not contrary to the insurer’s risk standards, that’s should be 100% all that is required. The rest is petty local nonsense.
I don’t see that as big government at all. What you have NOW is big government. I think Wuli made a mammoth point.