Hey, being an expert on and doing everything yourself is good enough for healthcare, retirement, charitable giving, etc. This is just the American way. Why conq

Hey, being an expert on and doing everything yourself is good enough for healthcare, retirement, charitable giving, etc. This is just the American way. Why conquer together when I can do it myself! (poorly) It's a great way to weed out the economically disadvantaged who can't afford to do educate themselves.