Security ... it's simply the recognition that changes will take place and the knowledge that you're willing to deal with whatever happens.

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.

The bad consequences of a government program usually don't show up immediately. And the delay may be long enough to hide the connection between the program and its results. So government never has to say it's sorry - never has to take responsibility for ht misery it causes. Instead it can blame everything on personal greed, profit-hungry corporations, and the 'private sector.' And the government's cure for the problems is to impose bigger programs, more regulation and higher taxes.

Profit is a reward for satisfying the desire of someone else.

Find out what people want and help them get it.

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.

In almost all matters, the real question should be: why are we letting government handle this?