Forcing people to be generous isn't humanitarian, effective, compassionate or moral. Only acts that are truly voluntary for all concerned can be truly compassionate.

Each person is living for himself; his own happiness is all he can ever personally feel.

I want a government small enough to fit inside the Constitution.

Find out what people want and help them get it.

The problem is big government. If whoever controls government can impose his way upon you, you have to fight constantly to prevent the control from being harmful. With small, limited government, it doesn't much matter who controls it, because it can't do you much harm.

Get your money out of the country before your country gets your money out of you

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.