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Welcome to Keith's night. 
Don't tread on anyone. 

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This is how government solved. 
The health care crisis, medical 

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insurance, that worked until 
government fixed it by Roderick 

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T. 
Long. 

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Today. 
We are constantly being told the

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United States faces, a health 
care crisis. 

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Medical costs are too high and 
health insurance is Out Of Reach

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of the poor. 
The cause of this crisis is 

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never made very clear, but the 
Cure is obvious to nearly 

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everybody. 
Government must step in to solve

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the Problem, 80 years ago, 
Americans were also told that 

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their nation was facing a 
healthcare crisis. 

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Then however, the complaint was 
that medical costs were too low 

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and that health insurance was 
too accessible. 

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But in that era to government 
stepped forward to solve the 

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problem and boy, did they solve 
it. 

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Just look at how they sell us 
today on the cost of employment 

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is too low. 
So we're going to have a minimum

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wage. 
So this way we help out the 

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workers. 
So all they were doing was 

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giving us a minimum Health Care 
price to help out the doctors 

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and the medical insurance 
companies. 

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It's really for our benefit in 
the late 19th and early 20th. 

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Centuries, one of the primary 
sources of Health Care and 

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health insurance for the 
Working, Poor in Britain, 

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Australia, and the United. 
It States was the Fraternal 

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Society fraternal societies, 
called friendly Societies in 

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Britain and Australia were 
voluntary Mutual Aid 

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associations. 
Their descendants survive among 

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us today in the forms of 
Shriners Elks Masons and similar

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organizations, but these no 
longer play. 

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The central role in American 
Life. 

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They formerly did. 
As recently as nineteen twenty, 

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over one quarter of all adult 
Americans were members of 

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fraternal. 
Societies. 

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The figure was still higher in 
Britain and Australia fraternal 

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societies, where particularly 
popular among blacks and 

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immigrants indeed. 
Teddy Roosevelt's famous attack 

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on hyphenated Americans was 
motivated in part by hostility 

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to the immigrants fraternal 
societies. 

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He and other Progressive saw to 
americanize immigrants by making

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them dependent for support on 
the Democratic State, rather 

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than on their own independent 
ethnic communities. 

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The principle behind the 
Fraternal societies was simple. 

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A group of working-class people 
would form an association or 

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join a local branch or Lodge of 
an existing Association and pay 

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monthly fees into the 
association's. 

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Treasury individual members 
would then be able to draw on 

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the pooled resources in time of 
need, the Fraternal societies, 

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thus operated as a form of self 
help. 

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Insurance companies, turn of the
century. 

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America offered a dizzying array
of fraternal societies to choose

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from some cater, to a particular
ethnic or religious group. 

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Others did not many offered 
entertainment and social life, 

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to their members or engaged in 
community service. 

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Some fraternal societies were 
run entirely by and for women 

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the kinds of services from which
members could choose often 

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varied as well though. 
The most commonly, A offered 

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were life, insurance disability 
insurance and Lodge practice 

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large practice refers to an 
arrangement reminiscent of 

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today's hmos, whereby a 
particular society or Lodge 

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would contract with a doctor to 
provide medical care to its 

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members. 
The doctor received a regular 

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salary on a retainer basis 
rather than charging per item 

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members would pay a yearly fee 
and then call. 

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All on the doctors Services as 
needed. 

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If Medical Services were found 
unsatisfactory. 

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The doctor would be penalized. 
And the contract might not be 

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renewed. 
Lodge members. 

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Reportedly enjoyed the degree of
customer control this system, 

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afforded them and the tendency 
to overuse The Physician 

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Services was kept in, check by 
the Fraternal societies own self

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policing. 
Lodge members who wanted to 

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avoid future increases in 
premiums, were motivated to make

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sure that their A members were 
not abusing the system. 

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Most remarkable was the low cost
at which these Medical Services 

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were provided at the turn of the
century. 

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The average cost of Lodge 
practice to an individual member

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was between one and two dollars 
a year. 

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A day's wage would pay for a 
Year's worth of Medical Care by 

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contrast. 
The average cost of medical 

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service on the regular Market 
was between one and two dollars 

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per visit. 
Yet licensed Physicians, 

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particularly those who did not 
come from. 

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Big name, medical schools, 
competed vigorously for Large 

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contracts, perhaps because of 
the security they offered and 

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this competition continued to 
keep costs low. 

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This is what you get in places. 
You have much more of a free 

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market, you get increased 
quality and lower costs over 

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time, due to competition. 
So if you look at things like 

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beverages, the average person 
has more choices of beverages 

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than all the kings and queens of
the past. 

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You also see an increase in 
Access and quality of things 

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like cars computers. 
There's microphones radios, 

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cell, phones, books, printers, 
air conditioners, fans, 

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headphones, clothes, microwaves.
And even in the healthcare 

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industry, the less regulated 
sectors. 

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Constantly are falling in price.
For example, a Lasik eye 

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surgery. 
So it's not until the state 

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steps in and starts using 
coercion. 

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And what would otherwise be 
voluntarily, funded, competing, 

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organizations do, what prices? 
Get out of control the response 

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of the medical establishment? 
Which meant both in America and 

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Britain was one of outrage, the 
institution of Lodge practice 

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was denounced in harsh language 
and apocalyptic tones. 

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We see the same thing in the 
banking industry. 

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The banking establishment 
supports the biggest banking 

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regulation, ever the Federal 
Reserve Act of 1913. 

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So it's not the case that well, 
these people want the free 

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market know, they hate 
competition and they love 

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cartels as Milton Friedman. 
Always said the biggest enemies 

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of the free market. 
Market are the intellectuals and

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businessmen such low fees. 
Many doctors charge were 

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bankrupting. 
The medical profession. 

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Allegedly, moreover many saw it 
as a blow to the Dignity of the 

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profession that trained 
Physicians should be eagerly 

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bidding for the chance to serve 
as the hirelings of the lower 

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class. 
Tradesmen. 

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It was particularly detestable 
that such uneducated and 

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socially inferior. 
People should be permitted to 

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set. 
He's for the Physicians Services

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or to sit in judgment on 
professionals to determine 

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whether their services had been 
satisfactory the government. 

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They demanded must do something 
and so it did in Britain. 

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The state put an end to the evil
of Lodge practice by bringing 

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Health Care under political 
control, Physicians fees would 

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now be determined by panels of 
trained professionals. 

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IE the Physicians themselves 
rather than By ignorant 

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patients. 
This is referred to, as 

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regulatory capture to regulate 
the healthcare industry. 

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Who does the government go to? 
Well, the biggest people in the 

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healthcare industry with the 
most amount of power and 

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influence, who then structure 
the rules in such a way to 

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benefit themselves and their 
cronies at the expense of the 

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consumer State Finance, Medical 
Care. 

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Edged out, launch practice those
who are being forced to pay 

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taxes for free health care, 
whether they want it or not. 

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Had little incentive to pay 
extra for Health Care through 

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the Fraternal societies rather 
than using the government care. 

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They had already paid for 
reminds me of National Defense, 

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how the price constantly keeps 
going up and the service gets 

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worse because the government has
no incentive to provide a good 

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product or service in America. 
We pay like 730 billion dollars 

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a year and it keeps us less safe
because they go around creating 

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enemies and creating terrorists 
police cost. 

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Constantly keep going up the 
police or totally militarized, 

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and they keep caging people from
victimless crimes and not 

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obeying lockdowns. 
All absolute nonsense, 

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government increases costs and 
drastically decreases quality. 

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In America, it took longer for 
the nation's Health Care system 

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to be socialized. 
So the medical establishment had

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to achieve its ends more 
indirectly, but the essential 

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was result was the same medical 
societies. 

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Like, the AMA impose sanctions 
on doctors, who dared to sign 

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Lodge practice contracts. 
This might have been less 

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effective if such a medical 
societies had not had access to 

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government power. 
But in fact, thanks to 

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government grants of privilege. 
They controlled the medical. 

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Licensure procedure. 
Thus, ensuring that those in 

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their disfavor would be denied, 
the right to practice medicine, 

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such licensure laws. 
Also offered the medical 

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establishment, a less overt way 
of combating Lodge practice. 

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It was during this period that 
the American Medical Association

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meet the requirements for 
medical licensure far more 

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strict than they had previously 
been. 

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So, just as you Wouldn't want 
licensing in the podcast world 

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or the YouTube World, you'd have
excuse me. 

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You'd have much fewer options. 
You'd have only a select group 

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of people, getting all the 
attention, customers would have 

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to pay more whether in the form 
of lower quality or longer, wait

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times or less content available.
So licensing is evil, and people

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see this with what with voting, 
they say. 

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Well, if you Have to have a 
driver's license to vote. 

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Then you're really suppressing 
the vote. 

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Yeah, well, license to business 
and the economy is suppressing 

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business and suppressing and 
suppressing economic growth. 

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It was during this period that 
the American Medical 

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Association, made the 
requirements for medical 

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licensure far more strict than 
they had previously. 

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Been there reason they claimed 
was to raise the quality of 

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Medical Care. 
Well, if you want to increase 

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quality, make sure you don't 
have people stomping out. 

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Petition by requiring licenses, 
but the result was that the 

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number of Physicians fell 
competition, dwindled and 

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medical fees. 
Rolls the vast pool of 

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Physicians bidding for Lodge 
practice. 

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Contracts had been abolished as 
with any Market. 

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Good artificial restrictions on 
Supply created higher prices a 

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particular hardship for the 
working class members of 

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fraternal societies. 
The final death, blow to Lodge 

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practice was struck by the 
Fraternal Society themselves. 

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The national Fraternal Congress 
attempting, like the AMA to reap

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the benefits of cartelization 
lobbied. 

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For law laws decreeing, a legal 
minimum on the rates. 

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For Eternal societies could 
charge just as Walmart, Doug 

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McMullen and H Lee Scott. 
The last two CEOs have come out 

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in favor of the minimum wage. 
Jeff Bezos is in The minimum 

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wage big business, loves big 
government cuz they love cartels

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and hate competition. 
Unfortunately, for the 

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lobbyists, the lobbying effort 
was successful. 

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The unintended consequence, was 
that the minimum rates laws, 

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made the services of fraternal 
societies no longer competitive.

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Thus the national Fraternal 
Congress is lobbying efforts 

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rather than creating a 
formidable, Mutual Aid, cartel, 

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simply destroyed the Fraternal 
societies. 

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Market Niche. 
And with with it, the 

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opportunity for low-cost health 
care for the Working Poor. 

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Why do we have a crisis in 
health care costs today? 

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Because the government solved 
the last one, also. 

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It's important to make sure that
what is currently in America is 

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nothing close to a free market. 
First of all, you have the Food 

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and Drug Administration, totally
involved in making sure. 

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And services don't get to Market
unless a group of people have 

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given it their stamp of 
approval. 

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That, of course. 
Imagine if we had that in books.

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You can't publish a book. 
Unless the government agency has

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cleared the book of Being for 
the well-being of the masses. 

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Screw you, my body, my choice, 
my money, my choice. 

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Here's a great part of the 
conscience of a liberal by Paul 

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Krugman. 
He says, in 2004 government 

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programs paid for 44% of Health 
Care in America. 

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While private Insurance paid for
only 36%. 

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Most of the rest was out of 
pocket spending which exists 

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everywhere. 
So in 2004 before, Bush's 

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Medicare Part D and Barack 
Obama's Affordable Care Act was 

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implemented. 
Government was already paying 

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forty four percent so that they 
love to lie that there was 

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currently or previously a free 
market in healthcare. 

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He also has this great quote. 
So you might ask, well, why 

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would government try to create 
things like Here Medicaid, and 

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these welfare systems when costs
were so low. 

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Here's a, another part of the 
conscious of a liberal by Paul 

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Krugman. 
He says it's not that the 

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concepts of progressive taxation
and the welfare state had yet to

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be invented or even implemented 
in other places in Germany, Otto

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von Bismarck, introduced old 
age, pensions unemployment 

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insurance and even national 
health insurance in the 1880s. 

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Big Bismarck acted out of 
political calculation, not 

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compassion. 
He wanted. 

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To head off, potential 
opposition to the Kaisers rule. 

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So many people will say, gosh, 
the government really is evil 

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with this mass murder and 
kidnapping and funded by theft, 

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but I do like the health care 
that it gives me an I do like 

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the education that the daycare 
that my kids get to go to. 

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So, I'm not really going to call
the state out for what it is. 

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Excellent work here by Roderick 
T long. 

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Thank you for watching Keith, 
Mike. 

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Don't tread on anyone.