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Gladwell is building to an even bigger point -- the larson story is titled "The Moral-Hazard Myth," which gives you an idea of where he's going. If you're larson interested, read the larson entire thing. (I know; easy for me to say, given that I've already read it.) What I find fascinating is that, yet again, we see a situation in which the people running our government have a basic distrust of -- even a contempt for -- the people they were elected to serve. By pushing "health savings accounts," instead of universal health coverage, they want to encourage people to pay only for the services they need, and not share pooled risk with anyone else. Gladwell doesn't use the phrase "medical Darwinism," but he comes close with this passage: Do you think that people whose genes predispose them to depression or cancer, or whose poverty complicates asthma or diabetes, or who get hit by a drunk driver, or who have to keep their mouths closed because their teeth are rotting ought to bear a greater share of the costs of their health care than those of us who are lucky enough to escape such misfortunes?
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