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You have to pay for protection on the downside in good years, but the premium for this insurance policy is not particularly high if you believe, as I do, that we live in a world of heightened Knightian risk.
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In a state-controlled system, it is good to have the state's explicit endorsement and protection.
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"Contact centres have now abused the protection that was intended for the greater good, " he said.
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But many others have not, with some lacking even the most basic protection: a good password.
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Protection for those over 65 is considered good if they have a 30 or 40 percent lower chance of getting sick enough to see the doctor.
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We're not quite ready to give up on the Adam Lanza problem, but the Chicago problem is solved in principle, requiring only a willingness to inflict on certain communities the indignity of stop-and-frisk along with very high incarceration rates for illegal weapon possession (including people, let's face it, who have good reason to fear for their lives and to carry a gun for self-protection).
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"Please consider the damage we have done if a court overturns this act and its protection all because we wanted a good slogan instead of a good law, " Cramer said.
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I'd like to see a full menu of choices, without state and federal regulators or the tort system dictating what people must have, so people can make choices that give them more take-home pay but still give them good protection.
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Moon or Mars bases will have to be carefully designed shelters, and astronauts will need very good advice before deciding to venture too far from such protection.
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