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 seeds of today's runaway government were planted when it was decided that government should help those who can't help themselves. From that modest, compassionate beginning to today's out-of-control mega-state, there's a straight, unbroken line. Once the door was open, once it was settled that the government should help some people at the expense of others, there was no stopping it.

The government's War on Poverty has transformed poverty from a short-term misfortune into a career choice.

If younger people see older people who haven't planned ahead and have to rely on charity, the young will be more likely to provide for the future. Today when someone plans poorly, the only consequence people see is a demand for more government.

If a law could keep dangerous weapons out of the hands of dangerous people, there would be virtually no gun crime at all.

Communities don't think, don't believe, don't want, don't have needs, don't have interests and don't make decisions. Only individuals have minds that generate desires and needs - and only individuals can make choices and decisions.

It isn't possible to give government just a little control over the economy and our lives. Once we cede that power to government, it uses the power to take more from us. That's why every year the government controls more of our lives.