Showing posts with label Entitlements. Show all posts
Showing posts with label Entitlements. Show all posts

Sunday, September 20, 2020

The Racism of the ‘Anti-Racists’: NJ Governor Murphy’s Strange and Discriminatory ‘Baby Bonds’ Scheme

In his latest budget proposal, New Jersey Governor Phil Murphy is proposing a “baby bonds” plan to provide taxpayer-funded savings bonds to children born in 2021 that will be cashable on their 18th birthday. 


Here’s how the baby bonds plan would work:


Under the plan, New Jersey would provide a one-time investment of $1,000 for every 2021 baby whose family’s income is no more than five times the federal poverty level. For a family of four, the income cutoff would be $131,000, Murphy said Tuesday during his budget address at Rutgers University’s football stadium in Piscataway.


Murphy said the plan would benefit three out of every four children born in New Jersey, calling it the first statewide program of its kind. The governor did not say whether the plan would continue in future years.


“As this child grows, so, too, will the value of this bond — to help pay for college, to help make a down payment on a home, or to help start a small business,” the Democratic governor said.


On the face of it, this is just another entitlement. But this new entitlement is no ordinary welfare program.


Think about this. A run-of-the-mill welfare entitlement is geared toward the economic status of the recipient. 


Not so with Murphy’s scheme.


Every child comes into this world having never earned a single dollar. Every child is born broke. So fairness would dictate that every single child get the baby bond. After all, a newborn child has no control over his parents’ earning power, no claim on his parents’ income or wealth once he reaches the age of 18, no guarantee he will be given anything by his parents, and no capacity to launch a remunerative career. Yet this child will be handed a nest egg, or not, based on something he has no control over--his parents’ economic status. 


Being judged by something beyond one’s control. Sound familiar?


Now consider this:


[Patrick] Murray, the Monmouth [University] pollster, said Murphy was shrewd to add the “baby bonds” proposal to the budget and cast tax hikes as “measures of racial equality” after the Black Lives Matter movement gained momentum in recent months.


The governor said during his speech that “too many families of color pay a greater share of their hard-earned income in taxes than millionaires, who are overwhelmingly not people of color.”


“Ensuring fairness and justice in taxation is just as important as ensuring fairness and justice in society,” Murray said. “In fact, it is an essential step in eliminating the structural racism in our society.”


“Structural racism” disappeared from our laws with the end of the Jim Crow era. Here, Murphy’s structural racism refers to statistical disparities in income and wealth, not of individuals, but of families. How do statistical disparities indicate structural racism today? They don’t. There is little doubt that economic disparities are lingering effects, in part, of racist laws from the last century. That was genuine structural racism. But that’s gone. It’s history. The lingering statistical disparities of today prove nothing about racism today. So innocent children born in 2021 are to be cheated because of wrongs perpetrated long ago, if their parents belong to a group that is statistically “overwhelmingly not people of color”--families earning more than $131,000 per year! Statistics prove nothing, but they are useful as a last refuge for damned liars.


The baby bonds program is not overtly racist: All New Jersey children below five times the federal family poverty level will get the bonds. But in that Murphy has a racial motive, the bond program is covertly racist.


Imagine two children born in 2021. One gets a $1000 bond. The other doesn’t. Eighteen years later, one child gets a pile of money from the state, the other gets nothing. Why the unequal treatment of the law? Not because of money the child earns--neither child has ever had any substantiation income--but because of someone else’s income. 


Is this fair? What can possibly justify this disparate treatment by one’s own government? Note the focus on families. Enter mankind’s darkest evil--collectivism. Note the income threshold is not based on any particular individual’s doing. The threshold is “family” income. The child is judged not as an individual but as part of a collective--the family.


The baby bonds program is actually the intersection of two collectivist evils--racism and egalitarian criminal socialism. A child has no control over his parents’ economic status any more than he has control over his skin color. Yet he is to be judged not on his own attributes by the attributes of the family he is born into--their color and their economic status. This is economic and racial bigotry. 


Racism is re-invading American law at the expense of objectivity *, and that is a bad sign. Murphy’s approach to the baby bonds, though it stops just short of explicitly employing race as a criteria for inclusion, is part of a much wider threat to America--the repudiation of individualism and the deliberate regression to tribalism, with the associated “market for victimhood” and “cycle of revenge” that infests tribal societies both today and throughout history. Murphy says “Ensuring fairness and justice in taxation is just as important as ensuring fairness and justice in society.” 


But collectivism is actually the obliteration of fairness and justice because only individuals, not groups, exist in reality. And in reality fairness and justice applies only to individuals. Protecting individual rights, not group “rights”, equally and at all times, is the only foundation for valid law. Anyone who forgets that principle cannot claim ensuring justice as a motive.


* [As philosopher Harry Binswanger explains in What is Objective Law?, “As the law must be objective in its source, so it must be objective in its form: objective laws are clearly defined, consistent, unambiguous, stable, and as straightforward and simple as possible. They are also impartial and universal, in the sense of applying to all individuals as individuals rather than as members of any race, creed, class or other collective.”] {my emphasis}

Related Reading:


NJ Turns its Back on the 14th Amendment – and History


Martin Luther King Jr. and the Fundamental Principle of America


The Racism of the ‘Anti-Racists’


The Racism of the 'Anti-Racists': 'This New America' - Apartheid?


Individualism vs. Collectivism: Our Future, Our Choice—Craig Biddle


Related Viewing:


 Ayaan Hirsi Ali: The Market for Victimhood [a critically important and timely half-hour talk followed by a one hour Q&A]


“It has been said that education opens the mind, while indoctrination closes it. A good education permits one to think critically, and to consider multiple viewpoints." Ayaan Hirsi Ali joins those who have been sounding the alarm on the closing of the American mind.


Thursday, March 28, 2019

Governor Murphy’s Plan to ‘Make New Jersey Great Again’

The message from New Jersey’s “progressive” Governor Phil Murphy is--Your life belongs to me, so I will take care of you. In a NJ Star-Ledger guest column, Governor: My 2020 budget will continue investments in education, NJ Transit, ensure tax fairness, Murphy wrote:

As governor, my job is to lay the framework upon which New Jersey’s future is written. That story must be one in which the middle class expands and thrives, businesses grow, and investments are made.

On Tuesday, I will present a new budget that will help us write this story by prioritizing our single greatest asset: our people. This budget will be the blueprint for making our middle class more secure, and for building the ramp that will carry more families into its ranks.

Our budget will restore responsible fiscal stewardship, invest in our people and communities, and ensure tax fairness for middle-class families taking it on the chin from rising inequality and President Trump’s harmful federal tax changes.

Prosperity requires prudence, responsibility, and a vision for the future.

This is a sampling. A lot is vague. But we know that “investment” means government spending other people’s money, not private people spending their own. And of course, there is the obligatory attack on “inequality”--”middle-class families taking it on the chin from rising inequality”--the same middle class that buys the goods and fills the jobs created by “the rich”. Exactly how someone else’s unequal economic achievements represent a danger to my chin has always escaped me.

I posted these comments:

This article reads more like a plan to grow the welfare class, not the middle class. What does “middle class” mean? The middle class is marked by individual self-reliance, not dependence; earning, not handouts. Middle class status is achieved by personal effort, not given. Prosperity is driven by individuals motivated by their own self-improvement, not some collective “vision.”

NJ residents are not “our people”—and their wealth is not “ours”—for politicians to control, tax, and buy. The state doesn’t own the people. They are not “assets” to be used for the purpose of some collective political scheme to “Make NJ Great Again.”

Prosperity’s first requirement is individual freedom and independence, not submission. Since the theme of this article centers around investment, education, and business growth, let me offer a concrete proposal--universal school choice, so people can invest their own education tax dollars as they see fit for their own children. Imagine the business growth as the field of education is opened up to entrepreneurship. The government is ours, not the other way around, and it should leave us more free to secure our own legitimate middle class status. Government’s job is to secure our rights, not economic level, equally, so each person person can make of their lives what they will. Educational freedom is a good place to start.

Related Reading:




Related Viewing:

John Tamny discusses the genius of capitalism and why rising wealth inequality is a great thing in front of a packed audience at Oklahoma State University!  [Youtube: The Unrelenting Beauty of Wealth Inequality

Wednesday, March 13, 2019

Pharma Can’t ‘Bargain’ With a Medicare Monopsony


I was disappointed to read Paul Mulshine’s column advocating a change in the law allowing Medicare to negotiate prescription drug prices with private drug makers (The Medicare drug issue: ‘Conservatives’ who don’t want to bargain for better prices? No way). He criticized other conservatives for labeling such “bargaining” as price controls. But that is precisely what this would be--back-door price controls.

Mulshine did make the valid point that America doesn’t really have a functioning free market in drugs, and did advocate for free market reforms:

The genuinely conservative position on Medicare is to call for the entire program to be privatized so private insurance companies can make whatever deals they want with the drug companies.

But if we’re stuck subsidizing those drugs, the very least we can demand is that the government pay the lowest price possible to the drug companies.

It’s the “But if we’re stuck” phrase that stuck in my craw.

I left these comments:

Medicare is a monopsony--a legally protected exclusive buyer of drugs for the senior market. It is also part of an institution that determines what drugs can be sold--and that has regulatory, taxing, and prosecutorial powers through multiple agencies--not to mention Congress. What “bargaining” power can a private company have with Medicare, a part of the whole coercive federal establishment? “Take-it-or-leave-it” is no choice at all for a drug company “dealing” with a government monopsony.

The solution to the problems caused by creeping socialism and government interference is not more socialism and government interference. That’s how, after decades, we have gotten to the point that a movement openly advocating full, totalitarian socialism is gaining traction in America by arguing that the whole point of the growing welfare state was precisely that--undiluted totalitarian socialism.

The solution is not to “defend the current system.” It is to take a stand against socialism and government interference and in favor of reforms geared toward more individual freedom. Privatizing Medicare is a good place to start. That will take guts, and may cost an election. But it’s the right thing to do, and will at least offer voters an alternative vision and choice.

Related Reading:




Moral Health Care vs. Universal Health Care
, by Lin Zinser and Paul Hsieh

Thursday, January 10, 2019

On ‘Rugged Individualism’ and the Welfare State

In response to my answer to QUORA *: ‘What will it mean for policy making in the US now the Democrats have taken control of the House and the Republicans have extended their lead in the Senate?’, a correspondent, Michael Coburn, picked up on the philosophical relevance of a statement I made. In response to my reply to his subsequent comment, Coburn seemed to switch to advocating for the welfare state;

Michael Coburn Replied:

Government can be used to make positive change and raise the quality of life? [sic; I think he meant to say “can’t.”] Systems such as Social Security and Medicare do that in spite of objections from a minority of “rugged individualists”. Left to individualism life would not be so great. In the conceptualization of representative democracy, the “state” is the slave of the “people”. If our “state” is not, then our “state” is broken. We need to fix it and use it appropriately.

I addressed his points with this reply:

Government is the only institution that can legally compel obedience. When you say “use” government, you’re advocating use of force by some people against other people who simply disagree, but have committed no crime. Is that using government “appropriately”? The dirty little secret of representative democracy is that an elected legislature can trample a person’s rights as readily as any dictator. An appropriate government--a representative republic--is one restrained by constitutional protections of individual rights and limited to enumerated separation of powers designed for that purpose. No electoral faction should ever be allowed to use the government as the “hired gun” to impose their values on all others, regardless of the size of the majority or the small number of dissenters. The “people,” after all, is an assortment of individuals, not an omnipotent entity that reigns above and apart from the individuals who comprise it. Each person is part of “the people,” and thus has an equal right to plan for her own life matters such as retirement and healthcare so long as he respects the same rights of others. Both Social Security and Medicare violate those principles. When you say “the ‘state’ is the slave of the ‘people’,” you speak of some people making slaves of other people. But freedom is not the right to vote away other people’s liberty and property or force one’s values on others. Freedom is the right to live your life regardless of other people’s votes.

The term “rugged individualist” is usually used derogatorily to imply some lone wolf who has no use or care for any other person. But that’s a straw man. A rational--that is, truly individualistic--person understands that there is tremendous value to be gained from associating with others in all areas of life, economic, social, personal. But an individualist respects other people, and will only deal with others in voluntary and mutually advantageous terms. The issue is not mutual cooperation and associations, or not. The issue is forced ‘cooperation” and association versus voluntary cooperation and association. Would you think it right to force another person into a church congregation? After all, some people think religion is vital to “the quality of life.” Neither is it right to force that person into financial arrangements like Social Security. Just as some people might prefer secular beliefs, others might prefer mutual funds or other personal uses for their money.

Granted, the welfare state is not full socialism. The so-called safety net leaves room for individual rights and free enterprise, making it tolerable. But the limited socialism of the welfare state is still collectivist, statist, and anti-individualist. It is a “gateway drug” to totalitarianism, as the state of today’s politics indicates. Government should be neither slave nor master. It should be the agent protecting the free choice of all, not just choices of the politically privileged but also electoral minorities and “rugged individualists.”

Thanks.

Related Reading:





America Before the Entitlement State
—Yaron Brook and Don Watkin

Wednesday, December 6, 2017

Being Against the Birth Control Mandate is Not Being Against Birth Control

In 2014, the Supreme Court approved a narrow exemption for private businesses to opt out of the birth control mandate instituted under the ACA (ObamaCare) for religious reasons. Through regulatory changes, President Trump recently expanded the freedom of employers to opt out of the ObamaCare birth control mandate.  According to the Henry J. Kaiser Family Foundation,


The Trump Administration has issued new regulations that significantly broaden employers’ ability to be exempt from the Affordable Care Act’s (ACA) contraceptive coverage requirement.  The regulation opens the door for any employer or college/ university with a student health plan with objections to contraceptive coverage based on religious beliefs to qualify for an exemption. Any nonprofit or closely-held for-profit employer with moral objections to contraceptive coverage also qualifies for an exemption. Their female employees, dependents and students will no longer be entitled to coverage for the full range of FDA approved contraceptives at no cost.




These are the extraordinary health consequences when we increase access to birth control, not only domestically but worldwide:


Better access has resulted in lower HIV rates, lower mother-to-child transmission of HIV, lower infant mortality rates, fewer abortions (both safe and unsafe), and it allows people to plan pregnancies, which results in better health for both mother and child.


I left these comments, edited for clarity:


No one is proposing to outlaw birth control. No one is proposing to make it illegal for anyone to voluntarily help a woman financially who can’t afford to pay for contraception out-of-pocket, or forbid that woman from seeking help from friends, family, or private charity. What the contraception mandate does is force some people to pay for other women’s contraception, and that’s immoral. It’s not about “access to birth control.” It’s about access to other people’s wallets—or not.


Having said that, carving out religious exemptions for this one insurance mandate is not enough. All insurance mandates should be abolished, so insurers can tailor policies to consumers’ demand, and consumers can more effectively buy the insurance they need, want, and that fits their budgets, whether businesses or individuals.


Don’t fall for the dishonest intellectual gimmickry. Being against the contraception mandate is not being against contraception. It does not mean being for more abortions, more HIV, more teen pregnancies, or less family planning. Only fools fall for that cruel “logic”. We each have our own lives to live. We are not our sisters’ keepers. Opposing the birth control mandate is being against legalized theft—a government as a tool of plunder to pick some people’s pockets for the unearned benefit of another. The insurance industry should not be a tool of socialist government policies. That’s fascism. Every individual is morally responsible for paying for her own healthcare needs, and insurance is a tool to help her do that, to be used when and as she sees fit. But no one has a right to insurance coverage that others don’t voluntarily provide, or that others are made to subsidize against their will.


Related Reading:











Saturday, November 4, 2017

Why Must ‘We Pay Either Way?’


An key argument peddled in defense of ObamaCare goes something like this:

Trump reiterated that he'd like to keep two of the law's most popular provisions: letting children up to the age of 26 stay on their parents' insurance, and forbidding insurers from discriminating against people with pre-existing conditions, like cancer or diabetes.

The challenge is the second one. Not even Trump wants to return to the dark days when insurers refused to cover breast cancer survivors, or charged them sky-high premiums they couldn't afford. But most experts say it's impossible to keep this protection if you repeal the rest of Obamacare - the individual mandate that orders everyone to buy insurance, and the subsidies that help low-income, healthy people join the rolls.
Think about what will happen. If people aren't required to buy insurance, but know they can get it if they fall ill, many of them will save money by buying coverage only after they get sick. That would deprive insurers of premiums they need to cover their costs, forcing them to increase premiums dramatically. That, in turn, would prompt even more healthy people to quit buying insurance, a trend experts call the "death spiral

Or:

His proposal to turn Medicaid into block grants would only shift the burden of paying for the very poorest citizens to the states.

Or:

It's not clear that would even save money in the end. Because people without insurance would land in emergency rooms, where both the law and the dictates of human decency require hospitals to provide. Those hospitals then get help from the state through a program known as "charity care."

Those quotes are not made up. They are from a New Jersey Star-Ledger editorial from November 2016, before Trump took office. In Trumpcare': Kicking 22 million off health insurance?, The Star-Ledger sums it up: “In other words, we pay either way.”

I left these comments, edited for clarity:

And why is that? Because “either way,” the government forces “we” to pay. Welcome to the welfare state—the slow bleed toward totalitarian socialism. Statists have saddled us with so many wealth redistribution schemes that no one can escape being forced to pay for others’ needs. Western socialists discovered long ago that the communist path to socialism wouldn’t work in the West. So they adopted the backdoor approach—fascism. Fascism is socialism without government ownership. As the infamous leader of Germany’s National Socialist Workers Party explained about 8 decades ago:

“Each activity and each need of the individual will thereby be regulated by the party as the representative of the general good…This is Socialism- not such trifles as the private possession of the means of production. Of what importance is that if I range men firmly within a discipline they cannot escape? Let them own land or factories as much as they please. The decisive factor is that the State, through the party, is supreme over all, regardless of whether they are owners or workers…Our Socialism goes far deeper…[the people] have entered a new relation…What are ownership and income to that? Why need we trouble to socialize banks and factories? We socialize human beings.” [From Herman Rauschning’s The Voice of Destruction, as quoted in The Ominous Parallels, by Leonard Peikoff, page 231-232.]

If “we pay either way,” we are on our way to being fully trapped “firmly within a discipline we cannot escape.” We’re already part way there, and with each new welfare state expansion—ObamaCare created a whole new class of parasites—we’re told we can’t repeal it because “we pay either way.” Trapped.

That’s why, in order to repeal and replace ObamaCare, we must challenge the very concept of the regulatory welfare state and the forced redistribution of wealth that it rests on. To do that, we need to protect each individual’s right to decide for himself who, when, how, and in what capacity to help others. Government has no legitimate role in charity.

Abolishing the welfare state can’t be done overnight. It must be done slowly but systematically to give people time to adjust back to freedom and individual rights and the self-responsibility that goes with it. A good place to start is with the repeal of the pre-existing conditions mandate, the heart of ObamaCare. To do that, we must remove the biggest cause of pre-existing conditions, the third-party-payer system, and replace it with individual ownership of insurance like life, auto, and homeowners. We must also repeal all of the insurance mandates, which drive up the cost for everyone and bars insurers from selling new policies that exclude, charge more for, or include delayed coverage for pre-existing conditions. These regulations leave people with pre-existing conditions with no insurance for anything because of a single condition. There are plenty of other free market reforms needed, like insurance riders that specifically cover pre-existing conditions, enabling people who lose or change insurance carriers to get new coverage without losing coverage for their pre-existing condition.

This is just a sample of the reforms we need. Health insurance is morally a matter between consumers, providers, and insurers that government coercion shouldn’t interfere with. People should be free to shop for the coverage that best suits their needs and wallets from competing insurers, rather than be forced into overpriced government-mandated policies. But that won’t even happen. Trump has already said he will keep the pre-existing mandate. He is a center-left, big spending welfare state liberal, after all. We’ll end up with TrumpCare, which will essentially be ObamaCare without Obama with a dash more healthcare freedom scattered here or there. Trump will not reverse the statist trend, and we will continue down the path toward a government-imposed discipline we cannot escape. I don’t know what the Left is so worried about.

Related Reading:














Sunday, July 23, 2017

Are We Now a Nation of Moochers and Thieves?

In reply to my comments posted under Linda Stamato’s op-ed Under Trump, ask not what you can do for your country. He doesn't care (see yesterday's post), a correspondent replied regarding my position:

There will be few takers.The wealthy are the only ones who can afford to,and you can bet that most of them are not willing to live under Spartan  conditions to help people in 3rd world countries.As I mentioned earlier.1 of our former neighbors sons went to Africa with the Peace Corp after college.If he had to fund it himself he couldn't have afforded it.The airfare along would have made it a no-go. [sic]

The assumption underlying this rebuttal is both disturbing and corrupt. Have we now reached the point in America where not being able to afford something automatically entitles you to other people’s wallets? Are we now a pick-pocket nation? It seems so, at least in many people’s minds.

If the neighbor of bayshore lady, the correspondent, couldn’t afford to go, why not get a job, save up, and pay for the trip himself? Is self-responsibility now dead? Presumably, his college education qualified him for a remunerative job.

Some would probably respond, “But he’s not doing this for himself. He’s selflessly serving others.” First of all, if he’s doing it selflessly, shame on him. The measure of a person’s moral character is determined by his level of self-support and responsibility. It’s easy to give up self-responsibility—to selflessly serve others. Selflessness is self-denial—a betrayal of one’s own life requirements, values, and convictions, as if they don’t count. Lack of integrity is not an admirable character trait.  

If a Peace Corp stint means so much to him—if, for example, he wants to score “altruistic” points he thinks will pump up his job résumé—then if he had integrity he’d do it on his own, or with voluntary contributions from like-minded people like bayshore lady. Not being able to afford the cost of his altruistic venture does not justify using the government as his hired gun to secure funding any more than not being able to afford a meal at Ruth’s Chris Steak House justifies it. But then, that is the predatory nature of altruism. An young American who thinks needy Africans have a moral claim on his life and time will necessarily believe his need is a moral claim on the wallets of his fellow Americans.

Stamato condemns Trump’s Peace Corp funding cutbacks as “promoting self-regard.” But if we had more self-regard, we would have more regard for others and less incentive to prey on them.

Related Reading: