"Fools you are who say you like to learn from your mistakes. I prefer to learn from the mistakes of others, and avoid the cost of my own."

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One of the biggest reasons for higher medical costs is that somebody else is paying those costs, whether an insurance company or the government. What is the politicians' answer? To have more costs paid by insurance companies and the government. ... [H]aving someone else pay for medical care virtually guarantees that a lot more of it will be used. Nothing would lower costs more than having each patient pay those costs. And nothing is less likely to happen.

— Thomas Sowell