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.

...The Bill of Rights is a literal and absolute document. The First Amendment doesn't say you have a right to speak out unless the government has a 'compelling interest' in censoring the Internet. The Second Amendment doesn't say you have the right to keep and bear arms until some madman plants a bomb. The Fourth Amendment doesn't say you have the right to be secure from search and seizure unless some FBI agent thinks you fit the profile of a terrorist. The government has no right to interfere with any of these freedoms under any circumstances.

[Before the Civil Rights Act of 1964], many governments in southern states forced people to segregate by race. Civil rights advocates fought to repeal these state laws, but failed. So they appealed to the federal government, which responded with the Civil Rights Act of 1964. But this federal law didn't simply repeal state laws compelling segregation. It also prohibited voluntary segregation. What had been mandatory became forbidden. Neither before nor after the Civil Rights Act were people free to make their own decisions about who they associated with.

You don't have to buy from anyone. You don't have to work at any particular job. You don't have to participate in any given relationship. You can choose.

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.

Government is a parasite-a cancer that by nature tries to spread deeper into society. Those who want to run others' lives won't give up and start minding their own business.

Once we realize that government doesn't work, we'll know that the only way to improve government is by reducing its size - by doing away with laws, by getting rid of programs, by making government spend and tax less, by reducing government as far as we can.