Source: Independent Institute
by John C Goodman & Pete Sessions
“Health economics tells us there are two ways to insure for anything: self-insurance (with individuals taking the risks and saving to pay for them) and third-party insurance (in which an insurance company, an employer or the government bears the risk). Self-insurance makes sense for risks over which we have more personal control. For example, just about every time you have needed a Band-Aid, it was probably for an event you could have easily avoided. The problem is that most people are not accustomed to self-insuring for medical expenses. The median household has only $8,000 in a bank account, and millions of families are living paycheck to paycheck. The solution to that problem is a Health Savings Account.” (04/20/26)
“A recent surprise in China was a survey that found professional women have adapted faster to using artificial intelligence than men. They also show less fear of AI. Yet it was the explanation for this AI gender gap that offered a keyhole into how Chinese women are changing themselves and society from inside the narrow lanes imposed upon them by the ruling party. One insight on the survey came from Poh-Yian Koh, president of FedEx China. She said in the era of AI, the common female traits of flexibility, resilience, empathy, long-term vision, and bridge-building allow women to serve as ‘indispensable ‘interpreters’ who connect technology with humanity.’ ‘Technology can be replicated. Empathy cannot,’ she said. ‘In the age of intelligence, trust is the scarcest resource’” Technology might determine how fast society moves, but ‘humanity determines how far we go.'” (04/18/26)
“The US government under Donald Trump has twice used disingenuous negotiations with Iran to provide cover for attacking it, in June 2025 and again before launching the current war in February. Now it is trying to do so for a third time. On April 8, the US and Iran began a two week ceasefire, after Trump accepted a 10-point peace plan drawn up by Iran as ‘a workable basis on which to negotiate’. But Vice President Vance and US negotiators rejected Iran’s plan out of hand at talks in Pakistan on April 11, and instead demanded that Iran must give up its right as a member of the Nuclear Non-Proliferation Treaty (or NPT) to enrich uranium for civilian purposes. The talks ended with no agreement. As the end of the ceasefire on April 22 drew near, Trump claimed that Iran had agreed to US demands on enriched uranium and other matters.” (04/20/26)
“Larry Iannaccone and his co-author Rodney Stark once wrote that the belief that society is getting less religious says ‘less about empirical fact than it does about secularization faith — a faith that, despite a mountain of evidence to the contrary, sustains the conviction of many social scientists that religious institutions must soon decay …’ In short, belief in secularization is just a religion. Larry’s critics were, unsurprisingly, not pleased. To tell people that their non-religious beliefs are just a religion is an insult. Why is it an insult? There isn’t any nice way to answer, so I’ll be blunt. It is an insult because the way that people form religious beliefs is so intellectually irresponsible that their conclusions are almost guaranteed to be false.”? (04/20/26)
“Even before 1776, American liberty and equality were expressed in church and civil covenants and compacts, like the 1620 Mayflower Compact. Alexis de Tocqueville makes much of such covenants and compacts in Democracy in America, arguing that religion lies at the core of American character and sustains the American experiment in democracy. Christianity, in his view, is especially well-suited to supporting liberty, equality, and self-government, as it naturally rules over hearts and minds without relying on state support. Uncontested in the intellectual and moral realm, Christianity lifts the democratic soul upward, beyond the petty material concerns that tend to consume men’s minds in democratic ages. At the same time, Tocqueville argues that Christianity must accommodate itself to democratic equality, especially the love of material wellbeing and distaste for forms it engenders.” (04/20/26)
“‘If man is not fit to govern himself, how can he be fit to govern someone else?’ – James Madison … A very clear — and truthful — analysis by Mr. Madison, and it explains in a few words, the problem with most governments in history, and that includes the current American government. As I have noted countless times, the American Founders said that the country cannot succeed without a virtuous people electing virtuous leaders. Well, people elected Eric Swalwell, who is the epitome of vice and immorality. Swalwell is human scum, but what does his election to Congress tell us about the people who put him there in the first place? And do we really think the people of his Congressional district are going to learn from their folly and replace Swalwell with a paragon of Christian virtue?” (04/20/26)
“In September, it was reported that FDA officials had privately investigated 25 paediatric deaths following Covid vaccination — the first systematic review of such cases since the rollout began. The findings were meant to be presented to the CDC’s Advisory Committee on Immunization Practices (ACIP). But the presentation never came. The meeting passed without a word. Something had happened behind closed doors. Now we know what.” (04/20/26)
“Four huge media conglomerates forked over $63 million in ‘settlements’ earmarked for Trump’s presidential library. Democrats are trying to track that money — and the latest developments don’t inspire confidence.” (04/20/26)
