Wasn't That Just a Cliff Hanger?

As if it caused you to wait in anticipation...

Yes, it's been some time. What have I been up to? Well, beyond obviously not writing, nothing much. Honestly, I wouldn't lie to you all, my devote followers...

Been actively ducking the police. As much as i've not been a fan of them in the past, I've now gained what's known as a rational fear. Where as, previously, my fear and hatred of the police was considered an irrational fear, simply because it was without a solid basis. Not that the police have ever done anything positive that directly affected me.

Wanted to talk about this a moment. It's obviously bothering me and all. This epic struggle dates back to 1953...

Ohio's financial responsibility law: The financial responsibility (FR) law, which took effect October, 1953, is NOT a compulsory automobile insurance law. No motorist is forced to buy auto liability insurance. The law DOES require drivers to be insured or have other arrangements to pay for injuries or damages they cause in the event of a crash. The law provides protection against irresponsible drivers.

Took that right off the BMV's website. Considerably, i've never been in an auto accident.

It's not that I don't understate the concept of insurance. I do, really, I do. The problem I have with the insurance industry is that it's become overly bastardized. Currently, they all play the same game, and control the market. Let's take a look at what is taken into consideration when an insurance company considers ... Age, Sex, Race, Car's Make/Model/Year, Enviroment, Credit Score, and Commision. Of course, there's got to be the middle man agent making his monthly cut off your ass, for selling you more than you need, to pad his own pockets. Back in my one year of college, my Sociology class taught me one thing... Almost all racist, sexist, and ageist bigotry is statistically supported. Yes, minorities are more likely to be criminals. Does this mean you should treat every minority like a suspect? OF COURSE, as long as you're an officer of the law. So, we've got federally mandated insurance laws, which are only legal because there's huge dollars in the the insurance lobby for your favorite politicans. Proof, come on now, do I ever support these outrageous claims with some sort of evidence? Ok, you got me, maybe just this once... How's about, the biggest individual contributor here in good old Ohio was Peter B Lewis of Progressive Corp who donated $22,997,220... Think he may have some sort of interest in buying the right candidate? Well, how about this statistic. Placing Number 8 out of the industries that donate comes Insurance who in the Presidential election alone donated $37,582,666 where as 31% of the money went to the Democratic candidate and 69% went to the asshole in office. Hope your industry is happy with who you bought, because the rest of us aren't...

So, the insurance industry pays off the government to maintain the right to mandate laws requiring individuals to buy their product. Imagine if big tobacco got in that game?

Even better when the insurance company "calculates risk" we on bottom get shit on the best. Yes, the price tag is highest for those who can't afford the product. Personal example, at one point in time, I was paying 10% of my monthly income to auto insurace. I'm close to the bottom, but it gets worse. Imagine if I were a young africian american male, living in a poor neighborhood, who'd finally saved up enough money to buy himself a new shiny bright red Toyota Camary. His isurance would be more expensive than his car. And why? Ohhhh no logical reason, beyond statistics and all. This young man could be the one to cure cancer, he could be the brightest mind in the nation, but none of that matters. He could be the safest driver in the world, considerate and focused at all times, but they don't care about that either. They want their money.

It's a business, shit what isn't a business these days. Therefore, they've got what is called a "profit margain". Now, the best part about the industry is that their product is a necessity. Not like, ohh I need those new LeBron kicks or i'mma get my ass beat at school, this is one of those government / police will take you down if you're without products. They've got a pretty damned large market. But, they're all about the money. They'll do everything in their power to not fufill your policy if ever something were to go wrong. The policy itself is a complex as the US Tax Code, and full of even more loop holes. I'm sure it's their policy to deny all claims initially for those in high risk demographics.

This arguement is like every other I ever make. It's the big guy picking on the little guy to get himself further ahead. And you know what the worst part is? We all fucking just fall in line. Like sheep amongst the trough, we all get in line and get fucked in time. Wait, what? You don't feel like you're being taken advantage of? Well then, let's play it like the insurance industry, and close with a statistic. The average price of auto insurance has risen every year for the past 20 years. 15% of people will never be in an automobile accident. 54% of people will never be at fault in an automobile accident.

Therefore, if you were born 18 years ago, 1986 for those not playing along at home. And, you're insured from your first to last day driving over the next 60 years, paying the current average for auto insurance, $2800 a year, adjusted for inflation and reduction over time with record and age... You'll have burned just under $170,000 in your life time. That's a mighty nice home there, well excluding "property tax" and "home insurance"...

The system was designed to hold you down, and empower those on top. Best of all, you're doing absolutely nothing about it.

-Rys4K

p.s.- Life doesn't have to be this way, we allow it to be.