What went wrong?

Whatever happened to the days when people used to question anything in the same sentence of 'government programs'? This past election, it was said time and time again; "The people don't care about the size of the government; so long as it works." Of course, we'd all hope that any government we elect would be able to honor, protect and serve its citizens to its fullest extent. This does not mean however, that we should expect government to do for us what we can do for ourselves. Do we need health care reform? Absolutely. Do we need help from our lawmakers that help homeowners all around the country keep their homes? Without a doubt. There's little disagreement when these questions are posed but the proposals differ and unfortunately, the ideas are run to the ground. There's little to no bipartisanship on many of the major issues in the political arena.

Health care; or in my eyes, sick care, is one of them. Both parties agree not enough Americans possess this, yet when the time comes to around to propose new methods of making it more accessible to Americans, it goes from being a noble cause and turns into political bickering. We see it today. Democrats propose federally mandated health care plans that require every American family purchase a health care plan. The problem with this is that telling the sick to purchase a mandated health care plan makes as much sense as telling those in poverty to purchase food. All too often, being sick and being in poverty come hand in hand which only makes federally mandated health care plans that much more complicated and difficult. Coming into the election, I sided with Obama's idea that all children should be required by law to possess health care insurance. Unfortunately, his advisers sidetracked him into another mandate that will do much more harm than good once implemented. If we want to reform health care, let's take the issue to the health care providers themselves and force them to lower prices or risk litigation for price gauging (something that should have been done to the oil companies). We can lower the costs of health care and we can provide tax credits for American families to purchase them. However, the last thing this country needs to be doing is creating another entitlement government program. Look at medicare and social security.. We all know how well the government bureaucracy runs THESE programs..

In terms of homeowners and the prevaling threat of foreclosure among so many millions of them, the government must take action now not by bank bailouts, but by homeowner bailouts. I'm not suggesting the government pay off the debts of millions of Americans (although it'd make much more sense than paying off the debts of private banks), but I am saying that there should be government protection besides bankruptcy for these homeowners. There should be criminal probes being undertaken by the federal government on the banks who used predatory tactics to entice homeowners they knew could not afford the loans. Although I do believe many Americans had faults of their own for taking out an unaffordable home loan, the everyday threat of bankruptcy and foreclosure is far too excessive. I believe that hundreds of billions of dollars should have been better used in a homeowners bailout program that did policies such as a temporary moratorium on national home foreclosures (a proposal Hillary Clinton championed) or more effective government programs that deferred mortgage payments for substantial time periods while families got back on solid ground. There's no reason for the astronomical foreclosure rates going on around the country.

- David Solis