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Ethiopia and Somalia agree to hold 'technical talks' over breakaway Somaliland regionWASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Photo Credit: - Yuri A / Shutterstock In 2007, Congress passed the to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. to settle the charges. In 2022, for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in . To better understand the rising trend of debt collection complaints, calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section . For complete results, see on . Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming who drove home prices and rents even further. For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness , according to 2022 HUD survey data. They are also but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an . Racial and ethnic disparities are at play, too. A 2023 study in the showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Stay up-to-date on the latest in local and national government and political topics with our newsletter.Daryl Bohac, former adjutant general for Nebraska, takes the podium with Gov. Jim Pillen, right, after being appointed director of the Nebraska State Historical Society. Nov. 21, 2024. (Zach Wendling/Nebraska Examiner) LINCOLN — Gov. Jim Pillen has called upon Daryl Bohac to direct the embattled Nebraska State Historical Society, drawing Bohac back into public service after he retired 18 months ago from leading the Nebraska National Guard. Pillen said the decision to recruit and redeploy Bohac to fill a post that oversees collection, preservation and sharing of Nebraska history was based on his view of leadership. “When you spend 45 years of your life in public service, when you’re the adjutant general of the Nebraska Air and Army National Guard, you develop extraordinary leadership characteristics and qualities,” he said of the Nebraska native. Pillen said he needed someone to steer the 146-year-old historical agency he said had veered “off the tracks.” Renamed History Nebraska by the previous director, the agency has been scrutinized and restructured . It recently became part of the governor’s cabinet following the arrest two years ago of the former executive director, who faces theft charges for allegedly improperly handling a private donation to the state agency. Bohac will oversee more than 60 full-time employees, and start with a $175,000 salary. Questioned about Bohac’s qualifications for the history-centric job, Pillen cited his track record in creating a “culture of team.” During the past two years, turnover at the society was 22% and 31%, respectively, among the highest of state agencies, according to state personnel figures. More than once, Pillen mentioned Bohac’s work with the Nebraska National Guard Museum in Seward, which preserves state militia history and educates about the guard’s role during peace and war. Introduced in his new role at a Thursday news conference, Bohac said he had received a phone call from someone outside of the Governor’s Office inquiring about his interest in taking over the agency, which also publishes a quarterly magazine and operates a state history museum in Lincoln and six other historic sites across the state. He said he talked to his wife and others and felt it was a “good fit — perhaps a good opportunity in that I could bring some leadership values to a complex organization.” He said the past 18 months of retirement had been good for him and his family. “But it’s time to go back to work for the people of Nebraska.” Among top priorities, Bohac said, is improving financial accountability. He referred to the past executive director. Former director Trevor Jones is facing felony charges for allegedly misappropriating a private donation. He resigned in 2022, after serving six years as the top administrator, saying he planned to do some traveling . Shortly after Jones resigned, he was charged with theft by deception in connection with diverting two donations from a foundation that had been intended to over anticipated agency revenue losses due to COVID-19. He instead deposited the funds in a foundation he had set up. Jones recently asked the court to dismiss the felony charge, saying he has been denied his right to a speedy trial. A hearing on the motion is scheduled for Tuesday. Pillen also pointed to the past. “It takes a lifetime of having a culture and it got tore down in a few simple years and it’s gonna take a lot of work to rebuild it to what Nebraskans expect.” The governor said he expects Bohac to lessen the society’s reliance on taxpayer dollars and to build active public and private partnerships. “It’s a $9 million a year budget but it doesn’t necessarily have to stand on the backs of taxpayers,” Pillen said. Bohac said he is excited to dive into his new mission — noting what he described as one of the first decisions presented to him in 2013 when he became the state’s adjutant general. It had to do with relocation of the military museum from the old Nebraska State Fairgrounds. He said the operations model relied on a combination of private, state and federal funding, a mix he plans to build upon at the state historical society. Other priorities in his new post, Bohac told reporters, include rebuilding core history museum exhibits to create a more alluring place for tourists and Nebraskans. He also wants to improve public access to archives. Bohac’s hire follows the passage earlier this year of Legislative Bill 1169, which made the historical society a code agency and part of the governor’s cabinet. That shift from independence status, and governance by a citizen Board of Trustees, worried many society employees who feared politics might enter into decisions about subject matter in museum displays, research projects and magazine articles. State lawmakers who supported LB 1169 said it should increase financial oversight and restore trust in the agency. Others feared potential impact. He has managed to adeptly thread the needle of keeping focused on mission and setting aside politics. – State Sen. Danielle Conrad of Lincoln State Sen. Danielle Conrad of Lincoln put forth an amendment intended to protect the academic freedom of choosing museum displays and public outreach. Thursday, upon hearing of Bohac’s appointment, Conrad she welcomed the “sound” choice. She sees Bohac as an “adept leader” and a “nonpolitical person.” “He has managed to adeptly thread the needle of keeping focused on mission and setting aside politics,” she said. Conrad, a Democrat, said she believes Bohac will be supported across the political spectrum to “stabilize the important work of this agency which has been mired in controversy for far too long.” Founded in 1878 by people who saw a need to record stories of both the state’s indigenous and immigrant populations, the historical society was designated a state institution and began receiving funds from the Legislature in 1883. In July, Pillen appointed Cindy Drake to be interim executive director. She had been at odds with the policies of the former director, Jones, and was dismissed after 45 years of serving as chief librarian at the society. Drake and Pillen moved swiftly to make changes at the agency, restoring the name to the Nebraska State Historical Society, rescinding a Jones’ decision to rebrand as “History Nebraska” in 2018. Employees also were reassigned. Public visiting hours were to be added at the society’s research room. A diversity council established by Jones was disbanded. During the media event Thursday, Bohac said he was eager to jump into his new job. As adjutant general, Maj. Gen. Bohac was responsible for programs affecting more than 4,500 Army and Air National Guard personnel. He oversaw the Nebraska Emergency Management Agency and served as the state’s official channel of communication with the National Guard Bureau to the Departments of the Army and Air Force. Said Pillen: “The hardcore reality is Daryl and I see a lot of things alike. One is how important leadership is, how important culture is.” SUBSCRIBE: GET THE MORNING HEADLINES DELIVERED TO YOUR INBOX Originally published on nebraskaexaminer.com , part of the BLOX Digital Content Exchange . Get local news delivered to your inbox!fb 777 casino 。

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Storm in a fountainPushpa 2, Game Changer, Thandel and more South films fans are eagerly waiting to watchAuthored by Connor O'Keeffe via The Mises Institute, Last week, UnitedHealthcare CEO Brian Thompson was shot to death on a New York City sidewalk in what was clearly a thoroughly planned-out attack. Over the next few days, as authorities hunted for the killer, online progressives did not try hard to hide their delight that a millionaire health insurance executive like Thompson was killed. Social media was flooded with posts and videos—with different ranges of subtlety—suggesting that Thompson, at the very least, did not deserve to be mourned because of all the health care his company has denied to poor and working people. Progressives framed the shooting as an act of self-defense on behalf of the working class. Before the alleged killer was caught Monday, they promised not to snitch if they saw the shooter themselves and fantasized about a working-class jury nullifying all charges, leading to other CEOs getting gunned down with impunity if they oversaw price increases. The narrative that these online progressives clearly subscribe to and perpetuate is one where, in the United States, healthcare is a totally unfettered, unregulated industry; where - because of a total lack of government involvement - wealthy CEOs charge whatever prices they want and then refuse to provide customers what they already paid for without facing any bad consequences. The characterization of healthcare and health insurance companies charging absurdly high prices while treating their customers terribly without the risk of losing them is spot on. But the idea that what caused this was a lack of government involvement in the healthcare system is completely delusional. And this delusion conveniently removes all the responsibility progressives bear for the nightmare that is the US healthcare system. Today, healthcare is one of the most heavily government-regulated industries in the economy - right up there with the finance and energy sectors. Government agencies are involved in all parts of the process, from the research and production of drugs, the training and licensing of medical professionals, and the building of hospitals to the availability of health insurance, the makeup of insurance plans, and the complicated payment processes. And that is nothing new. The US government has been intervening heavily in the healthcare industry for over a century. And no group has done more to bring this about than the progressives. It really began, after all, during the Progressive Era, when the American Medical Association maneuvered its way into setting the official accreditation standards for the nation’s “unregulated” medical schools. The AMA wrote standards that excluded the medical approaches of their competitors, which forced half of the nation’s medical schools to close. The new shortage of trained doctors drove up the price of medical services—to the delight of the AMA and other government-recognized doctor’s groups—setting the familiar healthcare affordability crisis in motion. Around the same time, progressives successfully pushed for strict restrictions on the production of drugs and, shortly afterward, to grant drug producers monopoly privileges. After WWII, as healthcare grew more expensive, the government used the tax code to warp how Americans paid for healthcare. Under President Truman, the IRS made employer-provided health insurance tax deductible while continuing to tax other means of payment. It didn’t take long for employer plans to become the dominant arrangement and for health insurance to morph away from actual insurance into a general third-party payment system. These government interventions restricting the supply of medical care and privileging insurance over other payment methods created a real affordability problem for many Americans. But the crisis didn’t really start until the 1960s when Congress passed two of the progressive’s favorite government programs—Medicare and Medicaid. Initially, industry groups like the AMA opposed Medicare and Medicaid because they believed the government subsidies would deteriorate the quality of care. They were right about that, but what they clearly didn’t anticipate was how rich the programs would make them. Anyone who’s taken even a single introductory economics class could tell you that prices will rise if supply decreases or demand increases. The government was already keeping the supply of medical services artificially low—leading to artificially high prices. Medicare and Medicaid left those shortages in place and poured a ton of tax dollars into the healthcare sector—significantly increasing demand. The result was an easily predictable explosion in the cost of healthcare. Fewer and fewer people could afford healthcare at these rising prices, meaning more people required government assistance, which meant more demand, causing prices to grow faster and faster. Meanwhile, private health “insurance” providers were also benefiting from the mounting crisis. In a free market, insurance serves as a means to trade risk. Insurance works well for accidents and calamities that are hard to predict individually but relatively easy to predict in bulk, like car accidents, house fires, and unexpected family deaths. Health insurance providers were already being subsidized by all the taxes on competing means of payment, which allowed their plans to grow beyond the typical bounds of insurance and begin to cover easily-predictable occurrences like annual physicals. And, as the price of all of these services continued to shoot up, the costs of these routine procedures were becoming high enough to resemble the costs of emergencies—making consumers even more reliant on insurance. With progressives cheering on, the political class used government intervention to create a healthcare system that behaves as if its sole purpose is to move as much money as possible into the pockets of healthcare providers, drug companies, hospitals, health-related federal agencies, and insurance providers. But the party could not last forever. As the price of healthcare rose, the price of health insurance rose, too. Eventually, when insurance premiums grew too high, fewer employers or individual buyers were willing to buy insurance, and the flow of money into the healthcare system started to falter. The data suggests that that tipping point was reached in the early 2000s. For the first time since the cycle began back in the 1960s, the number of people with health insurance began to fall each year. Healthcare providers—who had seemingly assumed that the flow of money would never stop increasing—began to panic. Then came Barack Obama. Obama’s seminal legislative accomplishment—the Affordable Care Act, or Obamacare—can best be understood as a ploy by healthcare providers and the government to keep the party going. Obamacare required all fifty million uninsured Americans to obtain insurance, and it greatly expanded what these “insurance” companies covered. Demand for healthcare shot back up, and the vicious cycle started back up again—which is why the bill enjoyed so much support from big corporations all across the healthcare industry. Before it was passed, economists were practically screaming that the Affordable Care Act would make care less affordable by raising premiums and healthcare prices while making shortages worse. Progressives dismissed such concerns as Reagan-era “free market fundamentalist” propaganda. But that is exactly what happened . Now, the affordability crisis is worse than ever as prices reach historic levels. And, because Obamacare brought American healthcare much closer to a single-payer system, the demand for healthcare far exceeds the supply of healthcare - leading to deadly shortages. There are literally not enough resources or available medical professionals to treat everyone who can pay for care. Also, the tax code and warped “insurance” market protect these providers from competition—making it almost impossible for people to switch to a different provider after their claims are unfairly denied. If it were simply greed, denying customers who already paid would be a feature in all industries. But it’s not. It requires the kind of policy protections progressives helped implement. And on top of all that, despite paying all this money, Americans are quickly becoming one of the sickest populations on Earth. This is one of the most pressing problems facing the country. A problem that requires immediate, radical change to solve. But it also requires an accurate and precise diagnosis—something that, this week, progressives demonstrated they are incapable of making. The American progressive movement is responsible for providing the political class the intellectual cover they needed to break the healthcare market and transform the entire system into a means to transfer wealth to people like Brian Thompson. Now, they want to sit back, pretend like they’ve never gotten their way, that the government has never done anything with the healthcare market, and that these healthcare executives just popped up and started doing this all on their own—all so they can celebrate him being gunned down in the street. It’s disgusting. Brian Thompson acted exactly like every economically literate person over the last fifty years has said health insurance CEOs would act if progressives got their way. If we’re ever going to see the end of this century-long nightmare, we need to start listening to the people who have gotten it right, not those who pretend they are blameless as they fantasize online about others starting a violent revolution.

Nobody really wants to be a Nazi, but....Online manifesto appearing to be penned by Luigi Mangione is fake