A focus on child development age 0 - 6 and intense early education and
remediation for those age 6 - 8 may help accomplish these 5 goals and
several other with direct and indirect savings and improvements in the
distribution of jobs, education, and income.

Interventions after age 8 are inefficient, ineffective, costly, and may
cause as many problems as they solve.

Unregulated banks and profiteering have been problems for centuries. My
choice for regulation more important than banks is insurance companies.

theft, - goes down in children with early interventions (Perry early
childhood intervention - increased graduations, decreased felonies,
decreased misdemeanors, more self sufficient, fewer on welfare)

Rent - rent, housing, and condition of housing goes up when people are
better educated and working and when it gets bad, they organize better to
do something about it, being dependent on fixed incomes and housing
inequities go hand in hand - those who can leave bad living conditions do
so and the exodus has been decades long in over 30 major US cities. Those
leaving take the ability to negotiate and improve areas of chronic problem
and inequity with them when they go. Same with involved parents who leave
certain school districts in the hands of schools without parent
involvement.

Dividends - legal efforts are nothing compared to the fly by night personal
finance operations we have as fast growing industries. Loan sharks have
better rates and more humane collection methods. The nightmares seen in
"It's a Wonderful Life" and Back to the Future II are here today and
spreading across the nation with gambling, strip mall finance operations,
cable tv, cell phones, and other "necessities" of life for those
chronically poor.

Unequal pay for work - better education leads to better negotiation leads
to fewer competing for menial jobs, higher demand, higher pay - with 20% of
the US workforce functionally illiterate, improvements in child development
and early education could improve skills significantly    More families
with at least one stay at home parent would help by decreasing available
workforce, increasing demand, and increasing pay rates.

The concerns about banking, economics, and business are not new ones.

"The country is headed toward a single and splendid government of an
aristocracy founded on banking institutions and monied incorporations and
if this tendency continues it will be the end of freedom and democracy, the
few will be ruling and riding over the plundered plowman and the beggar....
I hope we shall take warning from the example of England and crush in its
birth the aristocracy of our moneyed corporations which dare already to
challenge our government to trial and bid defiance to the laws of our
country. I sincerely believe that banking establishments are more dangerous
than standing armies."  -- Thomas Jefferson

John Kenneth Galbraith quotes

In all life one should comfort the afflicted, but verily, also, one should
afflict the comfortable, and especially when they are comfortably,
contentedly, even happily wrong.

The modern conservative is engaged in one of man's oldest exercises in
moral philosophy; that is, the search for a superior moral justification
for selfishness.

Under capitalism, man exploits man. Under communism, it's just the
opposite.

We should afflict the comfortable with the best evidence that we can
muster, we must expose the policies for the outright selfishness that they
represent, and we should focus on shaping people in the best and most
efficient ways possible, before age 8. Setting up steady improvements in
the lot of children will reshape them and then they can work to reshape
systems and institutions.

The child development arguments made from the capitalist and economist
perspectives are some of the strongest for such reforms. However to gain
support requires long term trust that the investments will work and
sacrifices made by one generation to help the next.

Even if we can reduce the exploitation of our future finances and our
children's finances for the benefit of those with the means, this would be
a start.

Robert C. Bowman, M.D.
[log in to unmask]
www.ruralmedicaleducation.org

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