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Thank you for a great post, Jazzman. I hope you don't mind if I send excerpts to some friends in Florida.
I have quite an opinion in regard to people who repeatedly rebuild in an area that periodically gets destroyed by hurricanes or flooding. Often the cost of the rebuilding is borne by the taxpayers. I don't know if you've ever addressed that directly, but you do so indirectly with your post.
The other philosophy not directly addressed here is that people should depend on the government to take care of them. It's not surprising that wilravel is so in favor of that, but it would be nice for someone to name some countries where that philosophy has actually worked.
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