Its quite simple. This law will cause an increase in dividend yeilds measured in small fractions of cents for companies that provide financial services, and the cost is to ruin people who have been the victims of severe unpredicatable catastrophies.

In other words, they are fucking you up the ass, and you are smiling about it all the way.

[ Be fair, the vast majority of people don't even know this happened, so they really have no opinion on it. They're getting fucked in the ass while they focus on other shit, like American Idol, or being poor already.

Anyway, you're misunderstanding, I think, the right's conception of being responsible, which is essentially that success is the measure of responsibility. It's a nice standard because being unprepared for the worst is the same as mismanaging. If you're not successful, it's your fault. You may not have been able to forsee the medical emergency, but you should have planned for it anyway. -k]

MarketWatch: Illness And Injury As Contributors To Bankruptcy -- Himmelstein et al., 10.1377/hlthaff.w5.63 -- Health Affairs