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A true revolution of values will soon look uneasily on the glaring contrast of poverty and wealth. With righteous indignation, it will look at thousands of working people displaced from their jobs with reduced incomes as a result of automation while the profits of the employers remain intact, and say: “This is not just.” It will look across the oceans and see individual capitalists of the West investing huge sums of money in Asia, Africa and South America, only to take the profits out with no concern for the social betterment of the countries, and say: “This is not just.” It will look at our alliance with the landed gentry of Latin America and say: “This is not just.” The Western arrogance of feeling that it has everything to teach others and nothing to learn from them is not just. A true revolution of values will lay hands on the world order and say of war: “This way of settling differences is not just.” This business of burning human beings with napalm, of filling our nation’s homes with orphans and widows, of injecting poisonous drugs of hate into the veins of peoples normally humane, of sending men home from dark and bloody battlefields physically handicapped and psychologically deranged cannot be reconciled with wisdom, justice and love. A nation that continues year after year to spend more money on military defense than on programs of social uplift is approaching spiritual death. America, the richest and most powerful nation in the world, can well lead the way in this revolution of values. There is nothing to prevent us from paying adequate wages to schoolteachers, social workers and other servants of the public to insure that we have the best available personnel in these positions which are charged with the responsibility of guiding our future generations. There is nothing but a lack of social vision to prevent us from paying an adequate wage to every American citizen whether he be a hospital worker, laundry worker, maid or day laborer. There is nothing except shortsightedness to prevent us from guaranteeing an annual minimum—and livable—income for every American family. There is nothing, except a tragic death wish, to prevent us from reordering our priorities, so that the pursuit of peace will take precedence over the pursuit of war. There is nothing to keep us from remolding a recalcitrant status quo with bruised hands until we have fashioned it into a brotherhood.

The overarching structure and vision of these buy-in plans reflect a near obsession with the status quo, an insistence on the hegemonic domination of employers and insurance companies on the health and well-being of people. These technocratic nerds have adopted a shared narrow-sightedness, unable to think beyond “what is”: they never consider, for example, that this employer dominance was a historical accident, and that the suffering it inflicts is, in a sense, a slow-burning casualty of the second World War, not a divine mandate.

For this equality belongs to the post-Renaissance world of ideology-of political magic and the alchemical science” of politics. Envy is the basis of its broad appeal. And rampant envy, the besetting virus of modern society, is the most predictable result of insistence upon its realization. Furthermore, hue and cry over equality of opportunity and equal rights leads, a fortiori, to a final demand for equality of condition. Under its pressure self respect gives way in the large majority of men who have not reached the level of their expectation, who have no support from an inclusive identity, and who hunger for “revenge” on those who occupy a higher station and will (they expect) continue to enjoy that advantage. The end result is visible in the spiritual proletarians of the “lonely crowd.” Bertrand de Jouvenel has described the process which produces such non-persons in his memorable study, On Power. They are the natural pawns of an impersonal and omnicompetent Leviathan. And to insure their docility such a state is certain to recruit a large “new class” of men, persons superior in “ability” and authority, both to their ostensible “masters” among the people and to such anachronisms as stand in their progressive way. Such is the evidence of the recent past and particularly of American history. Arrant individualism, fracturing and then destroying the hope of amity and confederation, the communal bond and the ancient vision of the good society as an extrapolation from family, is one villain in this tale. Another is rationalized cowardice, shame, and ingratitude hidden behind the disguise of self-sufficiency or the mask of injured merit. Interdependence, which secures dignity and makes of equality a mere irrelevance, is the principal victim.

Another Presidential election was less than two years off. There would have to be fast work to ward off disaster. Far-sighted people, North and South, even foresaw the laboring people soon forsaking both of the old parties and going Socialist. Politicians and business men shuddered at the thought of such a tragedy and saw horrible visions of old-age pensions, eight-hour laws, unemployment insurance, workingmen’s compensation, minimum-wage legislation, abolition of child labor, dissemination of birth-control information, monthly vacations for female workers, two-month vacations for prospective mothers, both with pay, and the probable killing of individual initiative and incentive by taking the ownership of national capital out of the hands of two million people and putting it into the hands of one hundred and twenty million.

The Clinton administration’s Gramm–Leach–Bliley Act (GLBA) of 1999, also known as the Financial Services Modernization Act, is probably the most illustrious example of this deregulatory frenzy: this repealed the Glass–Steagall Act of 1933, which separated commercial and investment banking and is widely credited with giving the United States 50 crisis-free years of financial stability. With the passage of the Financial Services Modernization Act, commercial banks, investment banks, securities firms and insurance companies were once again allowed to consolidate. Today, many consider the repeal (followed in 2004 by the lifting of the leverage cap on US investment banks) to be an important cause of the late 2000s financial crisis.

Here’s a little thought experiment: Let’s take three radically disruptive technologies and mash them together. Bitcoin. Uber. Self-driving cars. What happens when you mash the three together? The self-owning car. A car that pays for its Toyota lease, its insurance, and its gas, by giving people rides. A car that is not owned by a corporation. A car that is a corporation. A car that is a shareholder and owner of its own corporation. A car that exists as an autonomous financial entity with no human ownership. This has never happened before, and that’s just the beginning. Audience member gasps: "Oh shit!" I can guarantee you that one of the first distributed autonomous corporations is going to be a fully autonomous, artificial-intelligence-based ransomware virus that will go out and rob people online of their bitcoin, and use that money to evolve itself to pay for better programming, to buy hosting, and to spread. That’s one vision of the future. Another vision of the future is a digital autonomous charity. Imagine a system that takes donations from people, and using those donations it monitors social media like Twitter and Facebook. When a certain threshold is reached and it sees 100,000 people talking about a natural disaster, like a typhoon in the Philippines, it can marshal the donations and automatically fund aid in that area, without a board of directors, without shareholders. One hundred percent of donations goes directly to charitable causes. Anyone can see the rules by which that autonomous altruistic charity works. We are beginning to approach things we have never seen before. This is not just a currency. Now, let’s look at how the bitcoin community is addressing this incredible potential with their design choices and metaphors. Oh boy, it’s a mess.

FOR THOSE WHO WOULD GOVERN First question: Can you first govern yourself? Second question: What is the state of your own household? Third question: Do you have a proven record of community service and compassionate acts? Fourth question: Do you know the history and laws of your principalities? Fifth question: Do you follow sound principles? Look for fresh vision to lift all the inhabitants of the land, including animals, plants, elements, all who share this earth? Sixth question: Are you owned by lawyers, bankers, insurance agents, lobbyists, or other politicians, anyone else who would unfairly profit by your decisions? Seventh question: Do you have authority by the original keepers of the lands, those who obey natural law and are in the service of the lands on which you stand?

You and I protect our own with insurance policies and medical aid that’s available at our fingertips. But when it comes to taking care of the health of the nation, we tend to do it more in thought and less in deed. Vision cannot be a substitute for action.

Glacier Wealth Management’s vision has been to build full-service wealth management, estate planning, and insurance advising firm. We recognize clients’ goals and needs are specifically unique to their individual situations. We manage finances through a comprehensive approach integrating investment advice, tax, and cost analysis strategies. We bridge the gap between financial advisors, accountants, attorneys, and insurance agents when structuring personal and business finances.

The virus is fostering a commonality that we weren’t aware of, a biological commonality, where someone else’s health and behavior can really affect our own—whether they have health insurance, whether they are wearing their mask. It’s a rehearsal for climate change in that we recognize that there is no escaping our predicament. There’s no other place to go. We’re coming to see that we’re really all in the same boat.

The consequence is that arguing simply in terms of facts—how many people have no health insurance, how many degrees Earth has warmed in the last decade, how long it’s been since the last raise in the minimum wage—will likely fall on deaf ears. That’s not to say the facts aren’t important. They are extremely important.

There can be no liberal politics without a sense of we—of what we are as citizens and what we owe each other. If liberals hope ever to recapture America’s imagination and become a dominant force across the country, it will not be enough to beat the Republicans at flattering the vanity of the mythical Joe Sixpack. They must offer a vision of our common destiny based on one thing that all Americans, of every background, actually share. And that is citizenship. We must relearn how to speak to citizens as citizens and to frame our appeals—including ones to benefit particular groups—in terms of principles that everyone can affirm. Ours must become a civic liberalism.* This does not mean a return to the New Deal. Future liberals cannot be like the liberals of yore; too much has changed. But it will require that the spell of identity politics that has held two generations in its thrall be broken so that we can focus on what we share as citizens. I hope to convince my fellow liberals that their current way of looking at the country, speaking to it, teaching the young, and engaging in practical politics has been misguided and counterproductive. Their abdication must end and a new approach must be embraced.   It is a bittersweet truth that there has never been a better opportunity in half a century for liberals to start winning the country back. Republicans since Trump’s election are in disarray and intellectually bankrupt. Most Americans now recognize that Reagan’s “shining city upon a hill” has turned into rust belt towns with long-shuttered shops, abandoned factories invaded by local grasses, cities where the water is undrinkable and guns are everywhere, and homes across the country where families are scraping by with part-time minimum-wage jobs and no health insurance. It is an America where Democrats, independents, and many Republican voters feel themselves abandoned by their country. They want America to be America again. But there is no again in politics, just the future. And there is no reason why the American future should not be a liberal one. Our message can and should be simple: we are a republic, not a campsite. Citizens are not roadkill. They are not collateral damage. They are not the tail of the distribution. A citizen, simply by virtue of being a citizen, is one of us. We have stood together to defend the country against foreign adversaries in the past. Now we must stand together at home to make sure that none of us faces the risk of being left behind. We’re all Americans and we owe that to each other. That’s what liberalism means.

The average deaf person has the peripheral vision of a fish-eye lens, almost 180 degrees, and spots the tiniest movement within this range long before the average hearing person can do so. In practical terms this superior visual acuity has led some automobile insurance companies in recent years to give sizable rate discounts to deaf drivers.

The deep learning powering Ganesh Insurance’s apps has been trained to determine the likelihood that each insured may develop serious health problems, and then set premiums accordingly.

It is a true act of insanity to expect others to believe in the same ideals. One person’s vision of utopia will be another’s version of Hell. I believed that if I gave my writing to a corporation to publish was attune to having my soul ripped out and leaving me a lifeless husk. However, working for an insurance company with no hope for my future was the rebellious act of a petulant child. Sometimes the things that we truly believe in are the things that are drowning us.

I met Dr. Freeman in 1991 when he came to Harvard to talk to my fellowship program about his New England Journal of Medicine article. With calm deliberation, this tall, elegant physician disrupted my vision of Harlem and other Black communities throughout the United States. He detailed a cascade of health conditions triggered by inadequate facilities, lack of access to health insurance, and a shortage of medical personnel, healthy food, safe neighborhoods, and basic education. He called the problem a national tragedy, an emergency analogous to a hurricane, flood, or other ruinous natural disaster, yet one for which no one was sounding the alarm.

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Health is a moral issue. It is about life and death first. Money comes second. Trump and the Republicans' vision for health care reform must be about more than repealing Obamacare. It must be about more than insurance. It must create a clear, positive path for twenty-first-century health and health care.

Oil and gasoline use is diffuse, scattered in the global crowd. The world has 1.3 billion vehicles and perhaps 1.5 billion households. Cutting emissions from these cars and homes means changing the daily lives of billions of people, a mind-boggling thought. Reducing global coal emissions, by contrast, means dealing with 3,300 big coal-fired power plants and several thousand big coal-driven steel and cement factories.*10 The task is huge, but it is at least imaginable—and it targets almost half of the world’s emissions at a stroke. Fix coal, the idea is, then go, if needed, to the next thing. That’s the way to insure against the small but real possibility of catastrophe.

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Intuitively, I am hard-pressed to believe that most people would endorse the notion that the future of humankind is worth no more than a single apartment. Chichilnisky, a major figure in the IPCC, has argued that this kind of thinking about discount rates is not only ridiculous but immoral; it exalts a “dictatorship of the present” over the future. Economists could retort that people say they value the future, but don’t act like it, even when the future is their own. And it is demonstrably true that many—perhaps most—men and women don’t set aside for retirement, buy enough insurance, prepare their wills, or a hundred other precautions, even if they have sufficient resources. If people won’t make long-term provisions for their own lives, why should we expect people to bother about climate change for strangers many decades from now?

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