I never said that the American system is fair. The horribleness of the German system can be completely explained with the power of defaults / inertia. Sure, th

I never said that the American system is fair. The horribleness of the German system can be completely explained with the power of defaults / inertia. Sure, there is some way to go from here to there, but on a societal level this is just destructive and corrosive. The system is not set up in a way to smash barriers or allow fair entry.