When I bought my first house the insurance was fairly reasonable and the coverage was pretty good. Today, not so much. It's hard to compare humans and houses because they're not apples and apples. But I do pay more and get less.
Now let's switch to something totally unrelated to either - saltine crackers. That's about as far away from the insurance topic as one can possibly get. Except that I do pay more and get less. The price has gone up unproportional to inflation and they deliver fewer crackers in a box. What gives?
Silly as it may sound all of the above have a common denominator. And that common denominator goes by many names such as overhead, cost of doing business, and red tape. Mash them all together and they spell Big Government.
I won't go into a long explanation of all the interrelated connections but I'm very tempted. But there's a simpler path. Just ask most any question related to prices, the economy or overhead and you end up with the same answer.
Why does hamburger cost $ 3.00 a pound? - Big Government.
Why is my house insurance cost totally out of whack? - Big Government.
Why is our health care industry in shambles? - Big Government.
Why the hell can't they leave my damn saltine crackers alone?