Punchinello’s Chronicles

March 25, 2009

Insurance Doesn’t Mean Free!

Filed under: Surely a Jest? — Punchinello @ 1:42 pm
Tags: , , ,

People ask, “How did we get into this situation? What’s it going to take to get us back to the way things used to be?”

We know there are lots of people who don’t like to think much about anything deeper than wondering what’s for dinner. And yet, those people live their lives, do their jobs, have hopes and dreams. Nobody can wander through life completely oblivious to the world around them. So how are people getting their information?

One way is through the news. But a much more powerful way is through the culture.

Whenever you listen to the television or radio, you hear commercials. And the way those commercials are designed, they educate you on a single point then explain how to solve the problem. Good commercials are like perfect little stories. They have a plot, a problem, and a solution.

But whether or not a commercial is good or bad, the sheer volume of commercials becomes a background drone. Commercials are part of the overall culture. And commercials are a key part of educating people who don’t want to think.

Over and over again, then over and over yet again, we keep hearing this: “Your insurance will cover it! It’s FREE!”


When something is covered by insurance that does NOT make it free! Someone had to pay for that insurance! The insurance money itself is the cost of the item!

The whole reason we used to have insurance is to have money for unplanned events! You decide how likely it is that something bad (and expensive) will happen. Then you pay a small amount of money on a regular basis, like a bank. You’re putting money into a savings account just in case something bad happens.

Because your savings account still may not be enough to pay for the bad thing, insurance puts your money together with money from others and pays the whole repair bill.

It all comes down to gambling. What are the odds that a bad thing will happen to you? The expectation is that no bad thing will happen, but it might.

Modern “insurance” assumes that everyone will have bad things happen. Everyone won’t have the money to fix the problem. And everyone will be bailed out by The Insurance Company.

That’s impossible! If everyone puts in $1 per week, and everyone expects to have a $100,000 problem, where does the money come from? The answer is…nowhere.

You deserve a motorized wheelchair. The company guarantees that if you have Medicare, the wheelchair is FREE!

You deserve to have this and that. You deserve to have health insurance, your car windshield fixed, prescription drugs, food, clothing, unemployment money, regular money, salary guarantees. You deserve all of it. Why? Nobody knows, you just deserve it!

And to “insure” that you’ll have what you deserve, “‘somebody” will “somehow” make whatever it is FREE! It’s the stupidest thing anyone’s ever pulled! And yet, it works! Everyone feels they deserve whatever they want, whenever they want it, and they shouldn’t have to pay for any of it. After all, it’s insured! Therefore, it’s FREE!

Let’s all get FREE health insurance! That way, if you need quadruple heart-bypass surgery, it’s FREE! Nobody has to pay the doctors, nobody has to pay the hospital, nobody has to pay for anything! The “insurance something…” will pay for it, so it’s FREE!

Right now, people think that tax money is paying for insurance. Plus their own personal insurance bills. But there always will be many more people getting paid than there are people paying money. And so the government prints money to pay the insurance. But don’t worry about it. It’s FREE!



  1. trend watch : Insurance Doesn’t Mean Free! « Punchinello’s Chronicles…

    […]Whenever you listen to the television or radio, you hear commercials. And the way those commercials are designed, they educate you on a single point t[…]…

    Trackback by trends watch — March 25, 2009 @ 2:34 pm | Reply

  2. […] Punchinello’s Chronicles created an interesting post today on Insurance Doesnâ […]

    Pingback by Topics about Jobs » Archive » Insurance Doesn’t Mean Free! — March 25, 2009 @ 3:15 pm | Reply

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