My parents told me they had a simple goal, to leave the world better for me than they found it. I think that should be a morning ritual pledge. I admit I appreciate hedonism. I’d love to be on a tropical beach in a party environment misbehaving. I am willing to embrace our animal desire for indulgence and I’m not proposing that our course in life out to be absolute self sacrifice for the next generation. That’s not what I’m talking about. Several years ago I noticed a funny bumper sticker on an RV “I’m spending my grandchildrens inheritance”. Hey, why not. Of course the funny thing is if you blow it in Vegas you don’t get taxed but if you will it to them you do.
If you have saved your whole life and feel like you ought to spend it then I’m fine with that. The reason we have trust funds is because rich people like Bing Crosby found when they gave their kids a million dollars they blew through it in nothing flat. Let’s face it, money doesn’t mean the same thing to us when we don’t earn it. This is why 97% of major lottery winners are financially ruined within three years of their prize. This brings me to my point. I’ll illustrate by way of a home mortgage. I remember hearing that Japan had 100 year mortgages. Imagine being born and being in debt for a huge amount of money the day you first saw daylight.
This really is the point. Have a look at a young mother pushing a child in a stroller and think of it. This month that child takes out $325 in debt because our government is borrowing $100,000,000,000. By the time they are 18 that would add up to $70,000 but that’s not counting the $40K in debt there already, the interest, social security or medicare. It also doesn’t count numerous other factors that make it rise horribly. In fact our total amount of money promised currently exceeds the total wealth of our nation. Remember when borrowing meant paying the money back? When exactly do we pay the money back?
The truly amazing thing about this is the left leaning perspective. I mean think about it. China has started selling off our debt. Europe is in such disarray that it looks like Greece may default on it’s debt and Portugal, Ireland, Italy, Greece and Spain are now known there as PIIGS for their economic troubles. China is no longer considered our biggest creditor, Japan is, except you could argue it’s the Fed. So what does the left want? National health care. Let’s ponder it. Right now it’s estimated that medicare is being defrauded byt $70-$120 billion a year. That’s fraud, as in doctors doing 200 procedures a day and pizza parlors getting checks for performing medical procedures. In Florida the mob is getting out of drugs and into medicare fraud because it’s safer and more profitable. Last I hear the president still hadn’t nominated someone to oversee medicare and the budget isn’t there to handle this. Lefty wingnuts howl about 30% overhead in profits and some mysterious 4% administration cost for medicare. It’s probably the lack of oversight. Credit card companies charge 3% and have a fraction of a percent fraud. Profit is why. In the UK they had 4,000 babies born in hospital corridors and on sidewalks last year. One UK pol said they instituted their program after WW II when they were in a shambles. Now UK health care is the third largest employer in the world behind the Indian raliroad and the Chinese red army. They can’t vote it out.
The argument is to be compassionate to everyone today and make it so they don’t have to pay anything. Like free money. Squat down, close your eyes and grunt… Hmmm? That doesn’t smell like money, but it is free. Here’s the problem with this compassion. Let’s say you want to take all your friends out to dinner. You go to the restaurant and order drinks. They take your credit card and come back and inform you there is no money on your card. There you are trying to feed everybody and there is this little snag. Of course we know what to do, right? We email our congressman and ask them to make a law that our credit card can’t be refused, right? Wrong! At some point we have to recognize that no matter how kind and thoughtful we are somebody has to pay, and pay they will. Hand them the government sugardaddy card and have at it. Drinks for everyone, caviar and foi gras. The sky’s the limit. After all your children and grandchildren will pay. Hey, maybe you don’t even have kids. Too bad those other suckers weren’t ready for the end of the world. Eat drink and be merry for tomorrow we implode under the fetid debt of 40 years of excess.
When I was young I remember hearing the name George Bernard Shaw in high regard. Not long ago I saw a video clip which this video where he extolled the Marxist collectivist idea of killing those not useful to society. It is ironic that the collectivist idea that says we are our brothers keeper means we should provide for them and yet at the same time if we are engaging in generational theft we are clearly harming the collective. Of course all collective agendas must be implemented by a strong central government. Strong central governments are answerable to no one so piss on them if they don’t like us destroying society, right?
Here we are in a world I never imagined. Call me old school if you will. When I heard banks had problems with NINJA (No Income No Job no Assets) loans I was flabbergasted. How the hell do you get a loan like this. Oh yeah, the government decided it would be the good thing to do and used Fannie and Freddie who then saw the huge profits in mortgage based securities. That meant Wall street bankers could go for it and privatize the profits while socializing the losses. When people say capitalism failed I want to see if they can recognize Shinola, or say a hole in the ground. Don’t worry, your Wall street banking dollars are being well spent in the new financial capital of Washington DC. If you want to see capitalism fail you will need to look at a small business who is not too big to fail as they struggle to get a loan while all the money is now being loaned to government while they spend like crazy. Capitalism hasn’t failed, but it is getting strangled by socialism from above and below.
And that brings me to another simple principle I was taught. Be honest. I know, how silly and old fashioned is that. I guess it depends on what the meaning of the word is is. When FDR started social security he gloated that nobody would ever be able to get rid of it and get re-elected. Remember government of the people, for the people and by the people? What would happen if you set up a retirement plan for your business and then borrowed money from it and used the money from younger people coming in to pay older people. I’ll tell you. You would end up parked next to Bernie Madoff. That is exactly what was done with social security.
There is an old saying that the older I get the less I know. When we are young we are ready to change the world, but with time we come to see things differently. Where we used to challenge the ideas before us we come to see the wisdom in them. Let me tell you about some really cool guys, Madison and Jefferson. They really distrusted government. Jefferson said “government governs best that governs least”. Madison was instrumental as a key thinker in forming our constitution. You may not care about their opinions but I bet they would be dismayed with our government today.
I know this isn’t popular but I don’t want a dime from social security. Did you know that the Amish don’t have to pay in because they are conscientious objectors? It does not require a religion. However it is frightening to consider confronting the IRS and the government. On the other hand in a just world things would be different. Government employees and elected representatives would be held the the same practices and laws as private citizens and corporations. Much of congress past and present would be in court or in jail for defrauding the America tax payer. FDR would be remembered for starting a Ponzi Scheme. LBJ likewise. Thousands of laws including social security would be rolled back as unconstitutional. People would begin saving for their golden years. The average 65 year old would be a multi millionaire if they put their social security payments instead into a mutual fund.
Here is the amazing paradox of our current dilemma. I recall in the 80s being told debt was insurmountable. it wasn’t. In WW II we fought wars on two fronts and we beat Japan with 18% of our industrial output. At the start of the war they had the best navy in the world and vastly superior aircraft. In the war of 1812 Andrew Jackson beat the British who were at the time the best army and navy in the world. In less than a decade of JFK saying we would go to the moon we were there. We can do amazing things, but only if we adhere to simple principles.
It’s time we stopped being a bunch of babies and demanding a wet nurse. It’s time we told Washington DC to get the hell out or our lives. Last year we had over $300B in charitable giving and that is with one of the worst tax burdens in the world. Imagine the explosion of greatness and dignity if we ditched Marx and instead went for Madison.
I Hate Utopia
Monday, March 1st, 2010Imagine the worst future possible. Visualize if you will for a second the things we dread. The collapse of civilization, totalitarian big brother, financial morass, war. Throughout human history there have been examples where human life was lived under the boot of ruthless dictators and even deemed undesirable enough to march to their death. When these examples are paraded before the public consciousness they are generally decried as terrible. I say generally because in some cases there are those in media, academia and government who cannot bring themselves to condemn even the most flagrant offenses to human decency because those offenses were done under the guise of the utopian ideology of the observer.
Utopia is of course a wonderful concept of a world filled with perfection and absent any unpleasant struggle. Utopia may also be an afterlife filled with delights. Whatever the case utopia is always a destination for idealists of conjured perfection. As such there could not be anything more insidious in practice and harmful to the course of humanity. Certainly nothing has caused more untimely deaths as utopia has claimed hundreds of millions of lives. I am going to tell you why in no uncertain terms that when someone comes to you extolling utopia you should put garlic around your neck, hold up a cross, throw holy water on them and run for the hills.
Before I explain why every utopia is born under a moon of blood from a father with hoofs and a mother with scales I want to explode the myth of perfection they each hold. A world without strife is a world without challenge. Humans realize fulfillment through overcoming challenge. Without difficulty their is no overcoming and without the possibility of failure there can be no celebration of victory. If you have heard success is a journey not a destination it is because we become listless without challenge and utopia is by definition the ultimate destination. Utopias are born in the selfishness of the singular satisfaction of the recipient of the utopia and without regard to any fabric of civilization. A perfect example is the jihadi idea of being rewarded in the afterlife with a gaggle of virgins for killing unbelievers. Not only does it have no regard for those being killed but it has no regard for the young innocent women who would be subjected to the jihadist’s whims… Then again that could be a poor example as Muslims emulate their prophet who had a predilection for marrying prepubescent girls.
Of course understanding why utopia is hell really requires starting at conception. As utopia is always an alternative to reality we should start by examining social reality. For all the flaws of our civilization it functions as a collection of ideas and practices learned throughout history. I have been told a problem is a deviation from an established standard. Standard practices are established through experience. Human beings are naturally curious and experimentation as a means of learning is fraught with failure. Thus patterns and practices that yield good results are established and for better or worse we codify our societal workings. Then as human beings we progress and learn. Over time we developed more sophistication and now can apply the scientific method which means we have an effective and rational way to measure new ideas and practices. Our society can advance in this way by absorbing and adopting practical ideas.
Utopia is spawned differently. Utopia breaks from the past, ignores the collective experience of thousands of generations and is born of a deviation in response to a challenge. Utopia seeks to rewrite human nature along with human history by erasing the challenge of the frustrated utopian. Clearly this will leave anyone entering said utopia unfulfilled and devoid of victory in their life. Most importantly by pulling up civilization by it’s roots and replanting it there is turmoil and the resulting attempt at perfection begins life as a horribly imbalanced paradigm suffering the repeated failures of generations that the established protocols of civilization had learned to avoid.
Let’s look at where the utopian ideals have led us over the years. Perhaps the most audacious and common utopia is that of the commune. When I asked my parents about it they got me a book on communes in America over the last 200 years. It delivered the amazing failure rate of 100% for hundreds of communes. Of course the benefit is that if you wish to start your own utopia you are not bound by history so the past is no indicator. Actually that tongue in cheek comment illustrates perfectly the most arrogant aspect of utopian idealists, that all others who failed before them did so because they lacked their wisdom and dedication to the cause. Communes fail because they subvert the individual and in the end the expression and fulfillment of our selfish nature is the heart of excellence and accomplishment. Altruism can only flourish where we can fulfill the desires of self first.
Of course the absurd ideas of the commune led to a couple men who had done nothing in their pampered lives, including hold down a job, to write the Communist Manifesto and somehow take on a concern of a workers paradise. Of course it sought revolution, the overthrow of the established social hierarchy for an entirely new experiment. Actually Solomon said wisely there is nothing new under the sun and what was in fact being advocated was the reapplication of a great number of mistakes made by past generations. While the incremental pursuit of perfection may by definition preclude ever achieving utopia the revolutionary pursuit of utopia invariably leads to the morass of dystopia.
The ultimate problem for today’s citizens of exploding dystopian governments is that we tend to think as a society in the incremental mode. The inherent flaw in this is thinking that what we have now was actually subjected to any rational scientific method to prove it’s merit. The fact is for the last half century seemingly all governments have been infected with the utopian thinking that had been killing over a hundred million people in a few countries earlier in the twentieth century. So today when we talk about a massive overhaul of health care it is in fact pursuit of utopia, and while I can go point by point on the inherent flaws there mere fact it chases utopia should be all you need to know. However when you look at all our social programs you will see utopia written all over them. End all suffering and make a perfect world. Foolishness.
You should not assume I like suffering, even though in fact I believe challenges and failure are essential to shaping our lives. What I happen to believe though is that a faceless gargantuan bureaucracy assisting us is quintessential dystopia. Charitable organizations can help people more effectively and more cost effectively. Every place where we have pursued utopia we have created irrational and unsustainable messes. Social security is an example. It may have sounded good, but consider how much good all that money would have done in the investment community to grow our economy instead of yanked out. Everyone today would be millionaires if they had invested wisely. Of course millions of people plan retirement around this pittance because it’s there. What if it weren’t? I’m betting they could do better.
When someone says to you “wouldn’t it be nice if…” just remember that likely as not it is the opening to a longing for utopia. Knowing that utopia is fatally flawed is liberating. “Wouldn’t it be nice if we didn’t have to pay our bills?” If nobody paid their bills there would be nothing to buy because everyone would be out of business. Is it an absolute certainty that any attempt at utopia will fail? I’ve been told by physicists that it is theoretically possible for an event to happen which could have a cascade effect of changing the laws of physics in our universe. As a rule we plan on the laws of physics working. An attempt at utopia could work… and the bonds of all matter could dissolve. The success rate for utopia so far is 0% out of who knows how many thousands of tries. The methodology for arriving at utopia is clearly broken.
Utopia is at the heart of the looming financial meltdown of Western civilization. I say we root it all out. A society of compassionate individuals is vastly preferable to the pursuit of utopia which invariably is pursued through growing gargantuan faceless bureaucracy into dystopia.
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