The “Moral Hazard” of Insurance

In the insurance industry, the idea that the protection insurance offers the consumer promotes a more reckless attitude on the part of said consumer is referred to as “moral hazard”. Apparently, since we have the material possessions in our homes insured against burglary, we are less likely to lock our doors for example. While I

Healthcare Law Henceforth

I propose a new law that will empower all people. It is called the Health Care Reform Amendment Act 2010 and will henceforth be called The Law, with all the weight and profundity so implied. Past reforms have proposed ridiculous ideas such as giving all people free health care managed by the government, while others