When Will Politicians Start Caring about People’s Actual Problems?

Paying Higher Taxes for Healthcare | Ted Rall's Rallblog

When you crank out five editorial cartoons and a couple of opinion essays a week, not to mention opining on the radio about this issue and that, it is easy to forget about the basics.

The big issues.

The stuff that really matters to you. It’s just as easy to forget to ask: what are our political leaders doing to address our most pressing problems? This is, after all, their job. It’s what we pay them for.

Pew Research Center pollsters regularly ask Americans what they consider to be the problem that worries them most. On April 15th, the #1 Biggest Problem in America was “the affordability of healthcare.” 56% of respondents called huge medical bills “a very big problem” and 30% said it was “a moderately big problem,” for a total of 86%. That’s pretty much everyone. It even includes people who have “good” insurance through their employers.

“Healthcare costs is the only issue of the 15 asked on the survey seen as a very big problem by a majority of Americans, though about half say that the federal budget deficit (49%), violent crime (48%), illegal immigration (48%) and gun violence (48%) are very big problems,” Pew reported.

This is proof positive. The Affordable Care Act obviously hasn’t fixed the problem it was designed to address, skyrocketing medical expenses. According to Gallup, a whopping 80% of patients still worry a great deal or a fair amount about healthcare costs, a number that has remained essentially unchanged year after year since Obama became president.

What are the two major political parties doing about healthcare costs? Not much.

Democrats think we should be grateful for the crappy system we have now. Three weeks ago the White House announced that President Biden had placed a phone call to Obama to celebrate Obamacare’s tenth anniversary. Biden campaigned on adding a “public option” to the ACA but then left it out of his budget. He floated reducing the eligibility age for Medicare from 65 to 60, then dropped the idea when asked where the money would come from. Democrats have no plans to fix Obamacare; they think it’s perfect as is.

Not that the Republicans are any better.

The Supreme Court ruling in favor of the ACA has forced the GOP to give up on its vague Trump-era “repeal and replace” mantra. Now they’re saying nothing at all. “If the Republicans have a health care agenda, they haven’t shown their cards,” Drew Altman, who runs the Kaiser Family Foundation, recently told Politico. They whine about Obamacare to get votes. But they don’t want to change it.

To recap: Americans worry about high doctors’ bills more than any other single issue. Yet neither party is even talking about, much less trying to actually do, anything to ease our pain. No wonder only 31% of Americans think Congress is doing a good job.

Run down the list of Americans’ other top priorities and you’ll find the same lack of responsiveness from “our” elected officials. Forget actual action. Our “public servants” don’t bother to give us lip service.

So it goes with other Big Worries: no action, no ideas, no hope.

Biden’s coronavirus-recovery and infrastructure spending plans blow up the budget deficit that voters cite as their #2 most worrisome issue; Democrats have no plan to offset their spending by, for example, slashing the constantly bloated Pentagon budget. Republicans, obsessed with social issues, issue easily-ignored boilerplate statements that the deficit is too high that presents “like a rote effort; like Republican karaoke,” as Scott Galupo described it in The Week. Not that Republicans have any credibility on the issue of fiscal responsibility.

On the #3 Big Issue, violent crime, both parties offer, again, nothing. Republicans and Democrats alike are urging municipalities to not defund the police, i.e., they want force levels and tactics to remain where they are now. Neither party offers an alternative or additional approach, like an initiative to increase access to mental-health treatment. In the absence of a new response nothing much will substantially change, as Biden tells donors.

            Neither party has a real plan to address Top Issue #4, illegal immigration, or #5, gun violence. Democrats and Republicans alike intend to leave the southern border partially open in order to allow employers access to cheap labor, while continuing mass deportations to terrorize those workers into accepting slave wages. Neither party wants to do anything substantial about the proliferation of handguns used in the current spasm of violent crime, or question whether we still need the Second Amendment in the 21st century.

My point here is not to discuss the specifics of healthcare, the deficit, crime, etc. or what the best solutions to those problems are. Nor am I out to blame one party more than the other. My point is that neither the president nor Congress nor either of the two major parties is addressing the issues we care about in a credible way. When a political system fails to respond to people’s concerns or even take them seriously in the first place, it is doomed.

No one should be surprised when the whole bankrupt piece of garbage implodes.

(Ted Rall (Twitter: @tedrall), the political cartoonist, columnist and graphic novelist, is the author of a new graphic novel about a journalist gone bad, “The Stringer.” Now available to order. You can support Ted’s hard-hitting political cartoons and columns and see his work first by sponsoring his work on Patreon.)

 

SYNDICATED COLUMN: Lose Your House, Collect $300

Why Aren’t Rioters Burning Down the Banks?

One in ten Americans take such antidepressants as Prozac and Paxil. Among those in their 40s and 50s, it’s 23%. Maybe that’s why we’re so passive.

Like the blissed-out soma-sucking drones of Huxley’s “Brave New World,” we must be too drugged to feel, much less express, rage. How else to explain that furious mobs haven’t burned the banks to the ground?

Last week, as the media ginned up empty speculation about Hillary Clinton’s presidential prospects, and wallowed in nuclear cognitive dissonance — Iran, which doesn’t have nukes and says it doesn’t want them, is repeatedly called a grave threat worth going to war over, while North Korea, which does have them and won’t stop threatening to turn the West Coast of the U.S. into a “sea of fire,” is dismissed as empty bluster, nothing to worry about — the Office of the Comptroller of the Currency and the Federal Reserve released the details of the settlement between the Obama Administration and the big banks over the illegal foreclosure scandal.

Citibank, JPMorgan Chase, Bank of America, Wells Fargo and other major home mortgage lenders foreclosed upon and evicted millions of homeowners between the start of the housing collapse in 2007 and 2011. Millions of families became homeless, including 2.3 million children. The vast majority of these Americans are still struggling; many fell into poverty from which they will never escape.

Disgusting, amazing, yet true: the banks had no legal right to evict these people. In many cases, the banks didn’t have basic paperwork, like the original deed to the house. They resorted to “robo-signing” boiler room operations to churn out falsified and forged eviction papers. In others cases, people could have kept their homes if they’d been allowed to refinance — their right under federal law — but the banks illegally refused, giving them the runaround, repeatedly asking for the same paperwork they’d already sent in. Soldiers fighting in Afghanistan and Iraq, protected from foreclosure under U.S. law, came home to find their homes resold at auction. In other cases, banks even repossessed homes where the homeowner had never missed a mortgage payment.

The foreclosure scandal helped spark the Occupy Wall Street movement.

Promising justice and compensation for the victims, President Obama’s Justice Department joined lawsuits filed by the attorneys general of several states.

Last year, Obama announced that the government had concluded a “landmark settlement” with the banks that would “deliver some measure of justice for those families that have been victims of their abusive practices.” The Politico newspaper called the $26 billion deal “a big win for the White House.” $26 billion. Sounds impressive, right?

So…the envelope, please.

How much will the banks have to pay? What will people whose homes were stolen — there is no other word — receive? Now we know the details.

Remember what we’re talking about. Your house is your biggest asset. You own tens of thousands, in some cases hundreds of thousands of dollars in equity. One morning the sheriff comes. He throws you and your family out on the street. Your possessions are dumped on the lawn. You have nowhere to go. Your kids are crying. If you were struggling before, now you’re completely screwed. And the bank that did it had no legal basis whatsoever to do what they did.

They took your house, sold it, and pocketed the profits.

What would happen to you if you walked into Tiffany’s and stole a $200,000 necklace?

The details:

  • Even though they qualified for federal loan modifications, the banks seized 1.1 million homes, making 1.1 million families homeless after they were approved for refinancing. Since the average foreclosed home was worth $191,000, the banks stole $210 billion in homes. Under the “landmark settlement,” these wrongfully evicted Americans will receive $300 or $500 each, the value of a modest night out at a nice restaurant in Manhattan (two tenths of one percent of their loss).
  • 900,000 borrowers who were entitled under Obama’s Make Home Affordable program to refinancing were denied help and lost their homes. They get $300 or $600.
  • 420,000 homeowners who lost their homes while the banks intentionally dithered and “lost” their paperwork get $400 or $800.
  • 28,000 families who were entitled to protection against foreclosure under federal bankruptcy law, but got thrown out of their homes anyway, get $3,750 to $62,500.
  • 1,100 soldiers entitled to protection against foreclosure because of their military status get $125,000.
  • 53 families who weren’t late on their mortgages, never missed a payment, but got thrown out anyway, get $125,000.

So we’ve got more than 2.4 million families — that’s 5 million people — whose homes got bogarted by scumbag banksters. They’re getting a thousand bucks each on average. A thousand bucks for a two hundred thousand dollar theft! Not to mention the heartbreak and stress they suffered.

Why aren’t those five million people stringing up bank execs from telephone poles? It’s gotta be the Paxil.

But what really gets me is the 53 families who are getting $125,000 payouts for losing homes they were 100% up to date on.

Even if you’re a heartless right-winger, you’ve got to have a problem with a bank taking your house when you never missed a payment. Sorry, but these are multinational, multibillion dollar banks. They should pay these families tens of millions of dollars each.

Those 53 families should own Citibank, JPMorgan Chase, Bank of America and Wells Fargo.

Some perspective:

Citigroup CEO Vikram Pandit received $260 million in pay between 2007 and 2012, the height of the foreclosure scandal.

In 2011 alone, JPMorgan Chase CEO Jamie Dimon was given $23 million. In 2012, the company’s board of directors “punished” him for a $6 billion loss in derivatives trading by paying him “merely” $18.7 million.

In 2012 alone, Bank of America paid CEO Brian Moynihan $12 million; Wells Fargo paid $23 million to CEO John Stumpf.

Not bad for some of the worst criminals in history.

That’s how things work in the United States: the criminals get the big payouts. The people whose lives they destroy get $300.

(Ted Rall’s website is tedrall.com. His book “After We Kill You, We Will Welcome You Back As Honored Guests: Unembedded in Afghanistan” will be released in November by Farrar, Straus & Giroux.)

COPYRIGHT 2013 TED RALL

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