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Why Not Universal Car Insurance?

As much as I would enjoy this "free" service (at the expense of other taxpayers) the fact is that social-insurance and welfare programs do not benefit the economy — or the recipient — over the long run. The welfare state has eroded the concept of personal responsibility, and for affected industries it has replaced the free market with a central economic system that promises higher costs and lower quality. The welfare state accomplishes the exact opposite of what it intends to do. It is a bane to the general wellbeing of society.

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