Those with health insurance are overinsured and their behavior is distorted by moral hazard. Those without health insurance use their own money to make decisions based on an assessment of their needs. The insured are wasteful. The uninsured are prudent. So what's the solution? Make the insured a little more like the uninsured.
Malcolm GladwellIf a window is broken and left unrepaired, people walking by will conclude that no one cares and no one is in charge. Soon, more windows will be broken, and the sense of anarchy will spread from the building to the street on which it faces, sending a signal that anything goes.
Malcolm GladwellSuccess is not a function of individual talent. It's the steady accumulation of advantages. It's bound up in so many other broader circumstantial, environmental, historical, and cultural factors.
Malcolm GladwellInstinct is the gift of experience. The first question you have to ask yourself is, 'On what basis am I making a judgment?' ... If you have no experience, then your instincts aren't any good.
Malcolm GladwellEvery cop will tell you that their real job is being a social worker. That's what they do all day. The large majority of police officers in this country never even draw their gun, let alone fire it. They do conflict resolution, right? And if that's their job, why do they need to look like they're an occupying force?
Malcolm Gladwell