>Healthcare is tied to employment, so people are less free to try and start something other than "on the side."
It has long been easy for anyone to buy health insurance without an employer in the US. If you are self employed, you can even pay for it with pre tax income.
The problem is it costs $500 to $2,500 per month per person plus $10,000 out of pocket maximum per year, which means you need a high income to be able to afford it.
I think we're saying the same thing. Most people don't necessarily [functionally] have the option (or at least don't think they do, there are sometimes ways through.)
But, public hospitals with low or no cost care exist in some of these places, and from my observation, I do currently think it's a contributing factor to why small businesses are more likely to exist. But, it's only one knob to turn.
The homevoter hypothesis is mostly nonsense. There isn't a coordinated, conscious effort to restrict the supply of homes based on rational expectations of excess returns. People restrict the supply of homes due to misguided aesthetic reflexes, racism, nostalgia, and a bunch of other stuff, not because they are mustache-twirling capitalists.
I have machine washed my Airpods multiple times and they still work, and I use them for 3+ years. Seems like a good enough product, based on the alternatives available in the market.
However if we're going to talk about "eco progress" specifically we do have to talk about repairability. To be fair though, a long lasting product is probably more "green" than any easily repaired one in many circumstances.
I prefer the machine because the order is correct 100% of the time. When I used to have someone take the order, I had to double check the receipt to make sure the order was correct.
I think it’s naive to pretend they haven’t been doing the same thing all along. The Trump admin simply has more options available to them with crypto and prediction markets. And their egos are too big to bother doing it quietly.
That is the main reason I buy from Costco without hesitation. I know that if I got ripped off by a subpar good, I can get my money back. But that rarely happens.
>Things like financial products that charge higher interest rates to poorer people, or services that offer discounts for paying annually rather than monthly are great examples of this.
Exchange of future cash flows are not comparable to a one time exchange of goods or services due to the risk of default.
> And less direct things, like being able to drive to cheaper shops and buy in bulk, or being able to do preventative maintenance to avoid a cheap fix turning into an expensive one.
This is a good example, but the best example I can think of is having sufficient cash flow to be able to purchase a home in a higher socioeconomic neighborhood, because if you have kids, you are effectively paying almost nothing for a higher quality education since a lot of comes back to you in the form of equity and your child’s increased chances of financial stability.
It has long been easy for anyone to buy health insurance without an employer in the US. If you are self employed, you can even pay for it with pre tax income.
The problem is it costs $500 to $2,500 per month per person plus $10,000 out of pocket maximum per year, which means you need a high income to be able to afford it.
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