An interesting read. However, there are many differences of regulation across state lines. For example, insurance is quite fractious (pun intended). I'll bet th

An interesting read. However, there are many differences of regulation across state lines. For example, insurance is quite fractious (pun intended). I'll bet there's some way to innovate, even if politicians haven't stumbled across it yet. Perhaps the trick is to avoid calling it welfare, just as "credit default swaps" stayed unregulated because they pretended to not be insurance.