One of the problems is looking at institutions in terms if ROI. They have value in and of themselves. I guess we both favor preferring existing institutions, s

One of the problems is looking at institutions in terms if ROI. They have value in and of themselves. I guess we both favor preferring existing institutions, so I’m disagreeing with your conclusion. But there’s a word for favoring existing institutions: “conservativism.” Not many people on this board like that word.