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I can only take issue with one item. That is the issue of "frivolous" lawsuits. The "doctors" and insurers are screaming bloody murder. Why? Because like lawyers they are pretty much a self-regulating industry. A doctor can commit malpractice 6 times or more (at least in Florida) before he is suspended. If you or I disfigured an individual due to professional or personal incompetence, we would be sued out of business instantly. Doctors are held in higher esteem though, so they get a pass for several mistakes and just an increase in "their" premiums (which we pay, don't kid yourself). But in less than a month, he can open up shop in another state. This is a clear cut case of the fox ruling the hen house. We, as citizens, allowed the insurance and medical industry (the AMA more specifically) to take over the formerly efficient free-enterprise medical industry. In the "old days" the best doctors made the most money and had the largest client base. Now it is the lowest risk doctor, despite qualifications, who churns the most through with the lowest incident level. I should know.

Damn the nanny state, pensions and insurance.

Damn withholding!

You give a good, an excellent example of the inherrent and irremovable rotteness of insuring for the regular event. Insurance for random catastrophes -- a different story, unless the government subsidizes it, in which case it turns rotten too.

I want grocery insurance! National grocery insurance! We all need to eat! I'd be happy to co-pay $2 every time I visits Acme!