Freedom... refer[s] to a social relationship among people-namely, the absence of force as a prospective instrument of decision making. Freedom is reduced whenever a decision is made under threat of force, whether or not force actually materializes or is evident in retrospect.

As long as human beings are imperfect, there will always be arguments for extending the power of government to deal with these imperfections. The only logical stopping place is totalitarianism -- unless we realize that tolerating imperfections is the price of freedom.

Actually lowering the cost of insurance would be accomplished by such things as making it harder for lawyers to win frivolous lawsuits against insurance companies.

Competition does a much more effective job than government at protecting consumers.

Congressman Frank and Senator Dodd wanted the government to push financial institutions to lend to people they would not lend to otherwise, because of the risk of default. ... The idea that politicians can assess risks better than people who have spent their whole careers assessing risks should have been so obviously absurd that no one would take it seriously.

Let's face it, most of us are not half as smart as we may sometimes think we are-- and for intellectuals, not one-tenth as smart.

All statements are true, if you are free to redefine their terms.