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.
Harry BrowneA great burden was lifted from my shoulders the day I realized that no one owes me anything.
Harry BrowneThe communitarians may say you've been enjoying too much individual freedom, and that you must give up some of that for the benefit of the community. But they really mean that they want more power over your life - to force you to subsidize, obey and conform to their choices.
Harry BrowneGovernment 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.
Harry Browne