It's Time for the End of Health Insurance

My brother is about to lose his job. He'll join the record 16 million who have started down that path in the last three weeks.

It's the only formal job in his household, so he, his wife, and my two nephews are passing through the antechamber of a fragile-by-decree democracy into its great hall.  It's in that room, with the soaring frescoed domes and neolithic stylings, that wealthy America hides its signature trap door.

The trick is failure by and of design.