[Final Authority]

How about auto insurance? Should the government get out of that as well?

WRT home owners insurance, if one borrows from a person or a bank and they do not require insurance then it is their own risk, and yours, BTW, as if there was a loss you would still be liable. But since most banks loan based on instruments that are traded by the Federally chartered institutions, and their policies are that they can only trade in insured loans, then it is a de facto government regulation.

The difference with health care is that government has decided years ago that public hospitals must treat everybody, but that everybody is now out of hand. It is time to require personal responsibility and charge the users of the facilities and not overcharge only those who up to now are responsible and buy insurance.

[inquest]

How about auto insurance?

I dealt with that at #19 et seq.

The difference with health care is that government has decided years ago that public hospitals must treat everybody, but that everybody is now out of hand. It is time to require personal responsibility and charge the users of the facilities and not overcharge only those who up to now are responsible and buy insurance.

No, when government gets too far involved in something and screws it up, the solution isn't for it to get even more involved. It needs to get less involved.