health care
i think the solution to health care is to criminalize the sale of insurance. seriously. go with me on this one. the easiest way to cut costs is to increase competition. and what better way than to make providers compete for the consumer's dollars? providers would advertise their prices. consumers would shop around for the best coverage they can afford. providers would market novel payment programs. like pay in advance. or low interest rates. for example, the average family of four could take the $3000 per month it's currently blowing on health care and put it in an investment plan instead. after a few healthy years, and possibly foregoing expensive non-essential medical treatments, the cost of health care becomes a total non-issue. especially since the providers are now falling all over them to seduce away their dollars. instead of seizing those dollars by law.