Kamala Harris wants to take away your private health insurance and replace it with some awful version of health insurance administered by the federal government. Why is this a bad idea? In the automobile insurance industry, all customers of a carrier pay into a large pool. Those who tap the insurance company’s resources as a result of mounting claims, due to accidents and poor driving, experience a rate increase. Good Behavior, Disproportionate RewardGood drivers can maintain low rates for the duration of their driving lives, but even good drivers, among a larger pool of drivers at the state level, still...