Libertarians know that a free country has nothing to fear from anyone coming in or going out - while a welfare state is scared to death of poor people coming in and rich people getting out.

Insurance is meant for extraordinary circumstances. You don't use car insurance to pay for oil changes or gasoline; you have it as protection in case you have a terrible accident or your car is stolen. You don't use homeowners' insurance to pay your electricity and water bills; you have it as protection in case a fire or other catastrophic event produces a large expense. Obviously, any insurance policy that promises to cover every small, ordinary expense is going to be much more expensive than one that covers only extraordinary expenses.

Libertarians know that a free country has nothing to fear from anyone coming in or going out - while a welfare state is scared to death of poor people coming in and rich people getting out.

The best thing we can do for family values is to repeal the income tax. Then families will have the resources they need to implement their own values - and not those of the politicians. With the income tax gone, families will no longer be forced to have two breadwinners by necessity. Children will be raised better, family values will predominate, and crime will diminish. If your local school indoctrinates your child with values that are alien to you, you'll have the money to buy a private education.

Government doesn't work. That's the first lesson we must learn if we want to improve society.

Government is force, pure and simple. There's no way to sugar-coat that. And because government is force, it will attract the worst elements of society - people who want to use government to avoid having to earn their living and to avoid having to persuade others to accept their ideas voluntarily.

Government seems to operate on the principle that if even one individual is incapable of using his freedom competently, no one can be allowed to be free.