But Now You Know

The search for truth in human action

Why Universal Medicare Isn’t an Option



At one time, those advocating a “public option” were trying to claim it was not a socialized health care proposal like Medicaid/Medicare.

Now they’re actually proposing that this massive socialized bureaucracy be extended to cover all Americans.

Surgeon, chained by the nanny state The obvious question is, with a system that requires the whole of the nation to suffer a massive tax burden in order to cover only 14% of the population, where are we going to get the huge amount of money necessary to cover 100%? Especially when that system is already underfunded, in danger of going broke in only a few years.

Right now, most Americans pay more to FICA than they pay in income taxes.

What happens when you increase it to cover SEVEN TIMES as many people?

Are YOU ready to pay 700% as much in taxes, to cover universal Medicare?

This socialized system only works because it involves the productive part of America paying out the nose to support a tiny fraction of the population. Making it universal would be, quite literally, saying “I know how to make a pyramid scheme work: Put EVERYONE at the top of the pyramid, at  the same time!”

Why Would We Want To, Anyway?

That is aside from how bad, how harmful, Medicare already is to America, even when it only covers one seventh of Americans:

  • Fraud and Theft: Medicare is already fraught with fraud…it is thought that between sixty and seventy two billion dollars are stolen from the taxpayers via Medicare fraud, each year. That’s $72,000,000,000 every year. Imagine how much the fraud would balloon if the government had to police seven times as many people. The lost money would be comparable to the recent Stimulus/Bailout spending, but it would never end.
  • Too Expensive and Inefficient: Medicare is ALREADY expected to run out of money by 2017, becoming bankrupt even with its current users and tax burden. How are we going to expand it 700%?
  • Abysmal quality: Consumer and doctor dissatisfaction with Medicare is only surpassed by the similarly government-mandated HMO system.
  • Driving Costs: The ballooning cost of health care is consistently charted as having begun in the late sixties, right after the creation of Medicare. This system strips away consumer controls of prices…if the government took over the buying of your meals, the price of food would similarly go through the roof.
  • Tax the Poor: The wealthiest segment of Americans is the oldest. Americans tend to gain more wealth as they age. Yet the poorest segment of Americans are forced to pay in full for FICA, already. In effect, the poorest are being taxed for the richest.


Next time someone suggests that we should simply extend Medicare to cover everyone, because it’s working so well, ask him where we’ll get the two billion people necessary to fund extending that this fraud-ridden, insolvent, price-ballooning system to the 86% of Americans who now fund it for the rest.

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February 18, 2010 Posted by | Economy, Health, liberty, Politics | , , , , , , , , , , , , , , , , | 4 Comments

Why Workers Dislike Unions


We’re told by teachers, politicians, and the media that unions are the best thing ever to happen to people who work. Without them, we’d all be working 80 hour weeks, for pennies per hour, and dying by 30 from how dangerous the conditions are.

And yet, for some reason, most people not only don’t belong to unions, are not even thinking about forming unions, but wouldn’t even want their industry unionized, if they had the chance. In fact, unions are dying out. The odds are that if you don’t more or less inherit a union career because you’re locked into a Company Town situation, you will never join one.

As Americans have gained more freedom to leave unions, they have mostly stopped belonging

As Americans have gained more freedom to leave unions, they have mostly chosen independence

In the 1940s, 35% of American workers belonged to trade unions. Today in the private sector, membership is less than 7%. It is even lower in states that protect your right to have a specific job without joining a union.

Why?

Because, in reality, a union takes more freedom away from a worker, than from anyone else.

Pay is Important

It’s not fun, negotiating with an employer for your compensation. Well, not unless you’re really in demand. Then it can be joyful agony, trying to decide which offer is best, and what to require you be paid…but, the rest of the time, it’s unpleasant.

But the joy and pain are both because of how completely important your pay for your work really is. Your entire lifestyle depends on that set of decisions.

Not just how much you’ll be paid, but in what form. Do you want more cash, or would you prefer more days off? Are you better off putting up with a company insurance plan, that is cheaper but less responsive and lacking in choices, or more money and save up for your own checkups? Do you want paid lunch and breaks, or more money and come home sooner?

The problem with a union is that it strips away any control you have over that life-changing question.

You don’t even get to choose when, or how, to negotiate. Union management takes all power away from you, and you have to cross your fingers, praying whatever they think is best happens to be something you can tolerate.

Even under the best circumstances, they’ll be negotiating for the lowest common denominator. What the average worker is worth, and the union will gain from getting. The problem is that in the real world, almost nobody’s average. A good compromise, famously, is one where everyone goes away equally unhappy. With a union, you don’t just have to compromise with an employer, but also with all of the other workers.

You Become a Cog

With a union, you must settle for:

What the average worker is worth…

Diluted by what benefits the union management and corporate management negotiate.

You also lose the power to be paid for your effort, quality, ideas, and unique traits.

Right to work states protect your choice to not join a union, even if there is one at the company where you work

Right to work states protect your choice to not join a union, even if there is one at the company where you work

For example, you may be willing to work extra-hard to make more money, or have more job security. You may not even need to work hard; there may be some special part of your occupation you’re particularly good at.

But most unions avoid the idea of being paid for how well you do the job, replacing it with being paid for how many years you’ve worked. What could be a worse system of payment than this?

Of course it’s bad for the customers, because quality falls by the way-side…and therefore is bad for the company, as its profit depends on that quality. But it’s also bad for you, the worker, whose efforts become meaningless…just hang on to the job for as long as you can, that’s the only way you can make more money.

Likewise, no amount of effort can protect you from being laid off during the slow or hard times, with a typical union contract. You could be the very best at your job, but if you’ve only been there a few years, you’re out the door.

The Worst Kind of Middleman

It’s bad enough that unions harm companies, consumers, and society by causing unemployment, playing insider favoritism, price increases, inefficiency, low quality, reducing non-union worker pay, and other means, plus all the above disadvantages to union members, but what do you gain, in return for this?

  • The right to be forced to pay union dues, whether you find them worthwhile or not.
  • The privilege to have part of that hefty fee spent to bribe government officials with policies you probably don’t actually like, and be punished if you object.
  • The fortune of having some of the rest divvied up among the secretive, corrupt union management and their cronies and masters, for no apparent reason whatsoever.
  • Oh, and the joy of having yet another Tyranny of the Majority government ruling over you, in the form of that union’s quasi-elected crony management.
You have a right to set your own standards, not depend on a bullying middleman

You have a right to set your own standards, not depend on a bullying middleman

It’s no surprise that unions actually reduce real household income.

Not a Number, but a Free Man

The reason most of us eschew labor unions like they’re a porcupine who recently attacked a skunk’s posterior, is that we really are better off as free people, than as vassals of a collective, whose real function seems to be the profit of its “leaders”.

In other words, I’d rather protect my right to earn pay based on what I’m worth, not my seniority, and not be given useless token “compensation” that sucks part of it away, like hourly coffee breaks and a dubious promise of unreasonably high, distant retirement pay, I probably won’t see, once the union bankrupts my employer.

Wouldn’t you?

Words of the Sentient:

Unionism seldom, if ever, uses such power as it has to insure better work; almost always it devotes a large part of that power to safeguarding bad work.
– H. L. Mencken
THe methods by which a trade union can alone act, oare necessarily destructive; its organization is necessarily tyrranical.
– Henry George

Unionism seldom, if ever, uses such power as it has to insure better work; almost always it devotes a large part of that power to safeguarding bad work.

– H. L. Mencken

The methods by which a trade union can alone act, are necessarily destructive; its organization is necessarily tyrranical.

– Henry George

September 7, 2009 Posted by | Economy, Politics, Society | , , , , , , , , , , , , , , , , | 32 Comments

   

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