Remember that banks aren't markets. The market is amoral. The market doesn't care who you are. You're a trade to the market. The market will sell you if they think you're riskier. Banks didn't do that
When a health policy analyst went to heaven, he asked God the same question: 'Will America ever have a single-payer system?' And God said, 'Absolutely. Just not in my lifetime. ' I'm afraid that little story is true. Americans just are not prepared to let government be responsible for all of their health care.