Atlas Shrugged: The Mocking

Friday, February 1, 2013

Too Little Too Late

NRO's Ed Whelan takes pen in hand to announce that scouting is committing suicide by allowing troops to decide if they want to let gay scouts and leaders into their manly club.

Sadly, in the face of intense pressure from ideologues, the Boy Scouts of America are reportedly on the verge of abandoning their long-held policy against gay scout leaders. Among the many corporations facing petition campaigns from gay activists, Merck and UPS recently announced that their charitable foundations would no longer contribute to the Boy Scouts.
Under the policy change that the Scouts’ national board will consider next week, the churches, schools and civic groups that sponsor troops would each be free to adopt their own policies on gay leaders and scouts. 

 Whelen is very concerned about the effect this will have on scouting. Anti-gay church-based troops might be forced to actually see and hear gay scouts and leaders during get-togethers, and this-must-not-stand!
Yet this proposed revision is incoherent and unworkable. The national Boy Scouts leadership obviously recognizes that it’s legitimate to disapprove of homosexual conduct, as the revised policy would let troops continue to exclude gays. [Obviously!] But the change would deprive those troops of the protection that only a uniform national policy provides.

Different troops routinely interact at summer camps and other gatherings, and the staffers at those camps come from various troops. If the Scouts abandon their national policy, a troop that is chartered by a church that opposes homosexual conduct on moral grounds loses much of its ability to protect its scouts from being subjected to actions and statements that contradict the church’s teachings.

Consider, for example, something as simple as how a camp staffer might explain the meaning of the scout oath to be “morally straight.” Or how leaders and scouts from a pro-gay troop might provocatively highlight their new position with scouts from other troops.
 
I can see it now. At the next Boy Scout Jamboree Troop 666, stuffed to the brim with gays, might taunt Troop 101, a godly group of innocent young teens whose cheeks have never been stained with sex sin, flaunting their lack of hatred and fear. Can't you just hear the jeering laughter as the gay teens display their gayness for everyone to see? Or "provocatively highlight their new position" in your face, as the kids say?

Never mind that many kids have gay teachers (don't worry, the right is working on that as well) or interact with people who are gay all the time. Or that many middle schoolers who taunt others are kids who persecute their classmates by screaming Gay! at them for any perceived weakness, whether they are gay or not. No, the innocent little angels must be protected at all times from any hint of human sexuality. That's the way to deal with teenagers going through puberty!

In 2000, the Boy Scouts won a big Supreme Court victory against state laws that bar discrimination on the basis of sexual orientation. That victory rested heavily on the fact that the Boy Scouts taught that homosexual conduct was contrary to their values.

But if the national group abandons that teaching against homosexual conduct, it paves the way for activists to sue troops that adhere to the traditional policy and to threaten troop leaders with personal liability.  
Few troops could afford the expense and hassle of defending against these suits.
 

 Mr. Whelan is a Harvard educated lawyer and therefore no fool. However it is not a lawyer's job to tell all the truth; his job is to present his case in the defense of his client to the best of his ability. So Whelan pulls a McArdle here, lying by omission. Boy Scout troops that exclude gays have already been sued and forced to make huge payments for the sexual abuse of scouts, mostly by leaders.
In May 1991, the Washington Times published a major five-part investigation entitled “Scouts Honor” on sex abuse in the BSA. Staff from the newspaper had worked for two years preparing the series, reviewing internal and personnel records from the Boy Scouts; court records from more than 20 states; and more than 1,000 newspaper articles; as well as interviewing more than 200 people, including molesters, families of victims, Scout leaders, sex abuse experts and lawyers. The newspaper restricted itself to reported cases of male Scout leaders abusing boy scouts prior to the introduction of its Youth Protection program. In summation, they wrote “The Boy Scouts are a magnet for men who want to have sexual relations with children...Pedophiles join the Scouts for a simple reason: it’s where the boys are.”[4]
The series drew on three sources:
  • Historical “confidential files” (formerly known as the “Ineligible Volunteer Files”) within Scout records, with details on 231 Scout leaders banned from Scouting for sexual misconduct from 1975 through 1984.
  • 50 lawsuits against the Scouts by families of molested boys from around the US.
  • A list from the BSA of more than 350 men banned for sexual misconduct from 1971 to 1986.
The newspaper discovered that 1,151 Scouts reported being abused by their leaders over a 19-year period mostly prior to the implementation of the Youth Protection Plan: they published a detailed list of 416 cases from 1971–1990 where a US Scout leader was arrested or banned from Scouting for sexual abuse of Scouts, adding that experts said the real number of abusers and victims was probably several times higher. The newspaper articles later formed the basis for a book by the main journalist involved, Patrick Boyle: Scout's Honor: Sexual Abuse in America's Most Trusted Institution.

 
Excluding gays didn't protect scouts from predators or scout troops from large fines.

A study of 50 lawsuits against the Boy Scouts of America showed that from 1986 to 1991 BSA and local councils agreed to pay more than $15 million in damages. According to federal tax returns, BSA payments to one law firm in Miami working on abuse cases were more than one-half million dollars; the BSA insurance reserve, from which the damages are paid, stood at $61.9 million.[4]

The actual payment total, said the Washington Times in 1991, is probably far higher because the Scouts sometimes agree to pay damages only if the payments are kept secret. Keeping damage awards confidential is commonly required by insurers.

Boy Scouts Of America implemented a strict set of rules protecting kids from predators after these heavy fines.

BSA adopted the following policies to provide additional barriers to child abuse within Scouting. These policies are primarily for the protection of its youth members; however, they also serve to protect its adult leaders from false accusations of abuse.
  • Two-deep leadership. Two registered adult leaders or one registered leader and a parent of a participant, one of whom must be 21 years of age or older, are required on all trips and outings. The "two-deep" policy requires that a minimum of two adults be present during all activities to minimize the potential for clandestine abuse.[12] The chartered organization is responsible for ensuring that sufficient leadership is provided for all activities.
  • No one-on-one contact. One-on-one contact between adults and youth members is not permitted. In situations that require personal conferences, such as a Scoutmaster's conference, the meeting is to be conducted in view of other adults and youths.
  • Respect of privacy. Adult leaders must respect the privacy of youth members in situations such as changing clothes and taking showers at camp, and intrude only to the extent that health and safety require. Adults must protect their own privacy in similar situations.
  • Separate accommodations. When camping, no youth is permitted to sleep in the tent of an adult other than his own parent or guardian. Councils are strongly encouraged to have separate shower and latrine facilities for females. When separate facilities are not available, separate times for male and female use should be scheduled and posted for showers.
  • Proper preparation for high-adventure activities. Activities with elements of risk should never be undertaken without proper preparation, equipment, clothing, supervision, and safety measures.
  • No secret organizations. The Boy Scouts of America does not recognize any secret organizations as part of its program. All aspects of the Scouting program are open to observation by parents and leaders.
  • Appropriate attire. Proper clothing for activities is required. For example, skinny-dipping is not appropriate as part of Scouting.
  • Constructive discipline. Discipline used in Scouting should be constructive and reflect Scouting's values. Corporal punishment is never permitted.
  • Hazing prohibited. Physical hazing and initiations are prohibited and may not be included as part of any Scouting activity.
  • Junior leader training and supervision. Adult leaders must monitor and guide the leadership techniques used by junior leaders and ensure that BSA policies are followed.
The plan has been criticized for not making criminal background checks a requirement for all volunteers until 2008, and that failure to require those allowed additional child molesters into the organization. [13][14]
 
But Whelan is still very very concerned that gay scout leaders will be sexually attracted to the boys, ruining scouting for everyone with their gayness.
Imagine that a group of girls is going on a long camping trip, supervised by adult volunteers who are young men you barely know. Would you let your 15-year-old daughter go?

Nearly every parent, I think, would recognize the folly, even though the men might well be models of good behavior. Why should our common-sense response be any different if the 15-year-old is a boy and the possible, even if not-likely-to-be-acted-on, sexual attraction of the adult supervisors is homosexual rather than heterosexual?
And:
As the father of a soon-to-be Eagle Scout, I’ve taken part in summer camps, a canoeing trip in remote northern Ontario and several other overnight outings. I can attest that privacy is often at a minimum. Injecting the aura of possible sexual attraction would degrade the experience.
On the amorphous fear that the presence of gays will "degrade the experience" of scouting, Whelan wants to exclude anyone who offends his religious beliefs.
...[M]any parents choose the Boy Scouts to provide the environment for these activities precisely because, in an age awash in the wreckage of moral relativism, the Scouts have stood strong. Those parents who wish a different environment for their sons should join other groups or build their own.
The Boy Scouts are — or at least have been — a great organization that has done so much to help transform young boys into fine men and to serve America’s communities. Unfortunately, in the warped progressive understanding of diversity, all organizations must be the same. The Boy Scouts are a target of the Left precisely because they have, until now, upheld traditional moral standards.
Among the virtues set forth in the Scout Law, a scout is trustworthy and brave. The leaders of the Boy Scouts will betray those virtues if they cave to pressure and abandon their national policy. The Boy Scouts deserve better.
 
So to protect the innocent of America's youth, it is absolutely necessary to continue to exclude gays from scouting. Only then will the boys be safe from predators or large fines or lascivious looks Ed Whelan.

Friday, January 25, 2013

The Increasingly Poor Decisions Of Megan McArdle

It's not easy being Megan McArdle. Despite the fact that she is the world's greatest pundit ever (just ask her!), it seems that enormous success, achieved entirely through hard work, dedication, innate superiority, courage and pluck, has its drawbacks. There are people out in the intertoobs, horrible people that do horrible things for utterly unknown reasons, things that harm wide-eyed and innocent pundits. For no reason!
When Someone Tells Lies About You on the Internet  
by Megan McArdle Jan 24, 2013 5:24 PM EST    
Don't assume it's true just because someone bothered to type it 
James Lasdun has an incredible piece on what it feels like to have someone making up crazy stories about you:

What follows is a longish quote from a very long article about a writer and teacher who was stalked by a crazed student whose advances he had rejected. Naturally McArdle is moved to link to this article, as she suffers herself from constant and unjust criticisms. For example, Ezra Klein bothered to type:
The argument you’d get for leaving prices in the hands of the private sector is that you get a much better product with much more innovation, much of it cost-saving. That’s clearly not happening in American health care, as America’s care is not, in general, measurably better than that of other nations. The more sophisticated argument you hear for why we need to spend so much more on health care is that by spending more, we’re subsidizing the medical innovation that makes other countries’ systems so good. That’s a more interesting (though unproven) argument, but I doubt that Americans would be happy to hear that the reason our health care costs so much, and needs to continue costing so much, is that we have a duty to subsidize the French.

 McArdle never did answer that question.

Perhaps McArdle is peeved about something Noah Smith typed:
Megan McArdle has committed three large mistakes when discussing health spending and the national debt. These mistakes are: 1. She does not label Medicare as "healthcare" spending. 2. She uses data on cost growth rates to try to rebut a point about cost levels. 3. She uses only current spending figures, when everyone agrees that the health care deficit problem is going to really bite starting a few years from now. Bloggers and opinion writers, please take note: If you want to make the case that America's government is spending too much on non-health items, you're going to have to make a better case than this.
Or Jonathan Chait:
Unless I am missing a very subtle parody of libertarianism, McArdle’s plan to teach children to launch banzai charges against mass murderers is the single worst solution to any problem I have ever seen offered in a major publication. Newsweek, I award this essay no points, and may God have mercy on your soul.
 
But we have no way of knowing who Megan McArdle is talking about, or what they actually said. All we know is that McArdle says people are telling lies about her people. On the internet.
"Where there's smoke, there must be fire" is pernicious balderdash, especially in the age of the internet, when the only barrier to the number of crazy lies you can tell is the speed at which you can type. And yet, we are all seduced by the feeling that if someone bothered to write it down, it must be true. Why would they bother, otherwise?

 Exactly! I have often wondered why so many people believe whatever McArdle writes, just because she typed it out.  I guess this explains that phenomenon.
But of course there are crazy, or merely vicious and revenge-bent, people who do stuff like this all the time. Which we should remember every time we read an indignant diatribe against someone we don't know, by someone we don't know. Yes, it would be insane to make this sort of thing up. But there are a lot of insane people on the web.

 It certainly is nice of McArdle to warn us about all the vicious people on the internet. Especially since she obviously is not a victim of this phenomenon; she does not mention one single critic of her own, does not claim that anyone is telling lies about her, and does not mention a single, solitary lie being told about her. But people tell lies on the internet, so watch out!

It seems that someone on the internet is concerned about someone's reputation, perhaps because someone is realizing that she might be looking for work in the near future, now that someone's employment is not quite as prestigious or secure as someone thought it would be. And certain someones have lately acquired a slightly damaged reputation, which is what happens when someone decides to tell children to rush gunmen firing semi-automatic weapon. Or lie about statistics. Or support rampant polluters. Or reject equal rights for gays. Or support the gutting of the middle class and enrichment of the obscenely wealth.

For example.

Friday, January 18, 2013

Countdown To Doom: Zero Hour

It's here! Lord have mercy, Part II of the famed Elizabeth Warren slam down has arrived at last!. After a wait of only, let's see, 898 days, give or take, Megan McArdle has delivered unto us her mighty tome, as related below on July 26, 2010:
As I’m going to write in the next few days, the thing I don’t like about Warren is that she’s sloppy with data, and also that her mistrust manifests itself in paternalism. It’s one thing to think consumers would be better off without certain kinds of credit; it’s another thing to be positively certain that you’ll be making them better off by making such credit unprofitable.
In The Four Most Important Things You Need to Know About the New Mortgage Rules, McArdle discusses the dread pirate Bureau of Consumer Financial Protection, an entity that Megan McArdle fought valiantly to vanquish. She declared that we didn't need financial transparency because we would never be able to understand financial documents anyway and that regulations can backfire; for instance, if you regulate payday loans, the poor might be forced to go to a loan shark instead.  As McArdle said in What Good Will The Consumer Financial Protection Bureau Do?:
The problem isn't that banks don't have the right disclosure form for high-annual fee credit cards; it's that people don't want them. Maybe they shouldn't want them. Maybe we should only get the things that Elizabeth Warren wants to give us. But now we're not talking about transparency. We're talking about the Consumer Financial Protection Bureau "protecting" you right out of financial products that the paternalistic technocrats don't think will be good for you. And that's problematic, both because it assumes that people are kind of like children, and because that protection often carries a high price. Usury Laws used to "protect" poor people from very expensive loans; they are often spoken of fondly by consumer advocates ruminating about payday lenders. The laws protected them so well that many of them couldn't get loans at all, and had to pawn their stuff, borrow from friends and family, or hit up a loan shark.
You thought I was kidding about the loan shark, didn't you?

Also paternalistic is regulating sub-prime mortgages.
[W]e frequently hear that there's too much information, now, and we need to simplify: better transparency, instead of just more. But long before the crisis we required simplified disclosures for both mortgages and credit cards; you got a sheet saying what your annual rate was, the minimum monthly payment, etc. Where the loan was adjustable, people had to be told that their rate could adjust. They didn't read it. Or they didn't understand it. Or they figured they'd pay of the car or refinance the house long before that happened.
The people who took out sub-prime mortgages were just stupid and lazy. There was no fraud; no no-doc loans or liar loans or robo-signing or corrupt rating agencies or criminal banks. Just a bunch of greedy homeowners who got what they deserved. Remember; the financial industry and its billionaires and CEOs, did nothing wrong. Why would they need more regulation?
There are two basic narratives of what happened. The first is that bankers had bad incentives: they took massive risks because the profits were so good in the up years that it was worth the risk of the bad, or because they could pass the risks onto some other sucker, or they thought Uncle Sugar would bail them out. The other narrative is that bankers had bad information: they didn't understand the risks they were taking.  
I've always preferred narrative B, because Narrative A doesn't make much sense. The CEOs of big banks lost vast sums of money, and their jobs, most of their social status, and so forth. They held onto the worst tranches of their securities, which implies they didn't know how badly they were going to blow up. Etc.  
I find it vastly more plausible, if not so comforting, to believe that systems can occasionally produce bad results even if the incentives basically point in the right direction. The FICO score revolution was valuable, but we took it too far. The money sloshing around US markets disguised the problems, because people who got into trouble tapped their home equity, or in a pinch, sold the house at a tidy profit. Everyone from borrowers to regulators was getting the same bad signal, that their behavior was much less risky than it actually was.
Having conclusively proven that the financial industry was just an innocent bystander in events that increased their wealth tremendously, McArdle concluded that a consumer financial protection agency would be useless.
It seems to me that the most likely outcome is a fairly useless agency that spends a lot of time playing with disclosure documents, and occasionally yells at banks about penalty fees, maybe requires banks to offer these plain vanilla loans of which Warren is so fond . . . but shies away from doing anything which will actually restrict credit availability. This agency won't do much harm, but of course, it's hard to see how it could do much good, either.
However, when McArdle wanted to warn us about the dangers of Elizabeth Warren, the consumer financial protection agency suddenly became much more dangerous.
.[..] I think it matters on two levels.  One, it matters how we evaluate [Warren's] work--and I've been disappointed at how uncritically some people I really respect have been willing to accept the 2001 and 2007 [medical bankruptcy] findings....  
It matters that we get this stuff right. I am among the majority who would like to see bankruptcies reduced in this country, and we're not going to be very effective at that if we run around thinking we can cure 2/3 of them by putting a national health care system in place, when in reality a third or less have any strong causal relationship with medical bills. Obviously, this was also held out as an argument for PPACA, making an implicit promise to the American people which I believe to be false.   
But it also matters because a large part of Warren's prominence comes from the fact that she's an academic. If she came from . . . well, the sort of think tank that publishes this sort of advocacy science . . . she would have considerably less glamor, and power.  
And perhaps it mattes most of all because this woman is now under consideration to head a powerful new agency. If this is how she evaluates data, then isn't that going to hamper her in making good policy? If we're going to have a consumer financial protection agency, I want one that has a keen eye to the empirical evidence on consumer welfare--not one that makes progressives most happy by reinforcing their prior beliefs.
And now that the Agency has issued the Ability to Repay rule, Megan McArdle helpfully explains how it will affect her readers. She does not explain much of the rule itself so let's go to the release from the Consumer Financial Protection Bureau:
Today, we’re issuing one of our most important rules to date, the Ability-to-Repay rule. It’s designed to assure the reliability of mortgages – making sure that lenders offer mortgages that consumers can actually afford to pay back. This is a simple, obvious principle that needs to be cemented in the housing market.  
In the run-up to the financial crisis, we had a housing market that was reckless about lending money. Lenders thought they could make money on a loan even if the consumer could not pay back that loan, either by banking on rising housing prices or by off-loading the mortgage into the secondary market. This encouraged broad indifference to the ability of many consumers to repay loans, which dramatically increased mortgage delinquencies and rates of foreclosures ...  
The 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act created broad-based changes to how creditors make loans including new ability-to-repay standards, which we are charged with implementing. Among the features of our new Ability-to-Repay rule:
  • Potential borrowers have to supply financial information, and lenders must verify it;
  • To qualify for a particular loan, a consumer has to have sufficient assets or income to pay back the loan; and
  • Lenders will have to determine the consumer’s ability to repay both the principal and the interest over the long term − not just during an introductory period when the rate may be lower.
Since McArdle wants to blame homeowners, not the mortgage industry, for the housing bubble and crash, one would think that she would be happy to see an end to  no-doc and liar loans. But McArdle is also ideologically opposed to any regulation that might affect her own interests or those of her tribe. The Koches did not pay McArdle to be anti-regulation, they paid for internships and seminars and think tanks and magazines to find people who were already anti-regulation, people who would be happy to fight any attempt to protect consumers if it might harm the profit margin of corporations.

People who pride themselves on their support for a corrupt and deadly system because it personally enriches them and feeds their starving ego.

But let's get back to McArdle.
Last week, the Consumer Financial Protection Bureau released what it calls "one of our most important rules to date", the "Ability to Repay" criteria. Here's what you need to know:  
1.This will probably make it harder to get a mortgage, particularly if you are poorer  

Since that is the purpose of the rule, yes,  it will be harder to buy a house someone can't afford and will probably lose.
2. Nonetheless, it will not do that much to prevent default Arnold Kling, a former Freddie Mac economist who has long been my favorite source on housing finance, points out that debt-to-income ratios aren't a very good predictor of default risk.
As I point out in a new essay, mortgage defaults are driven largely by the borrower’s loss of equity. Thus, the most important risk factor at the time the loan is made is the size of the down payment. The rules ignore that. Instead, the focus in the borrower’s debt/income ratio, which is far and away the least predictive of the major factors used in predicting default (the down payment is most useful, followed by credit score and then by loan purpose, although the effects of these variables interact with one another so that it is not so easy to rank-order their importance).
Kling blames mortgages defaults on the government and feckless homeowners.
Defaults on appreciated homes almost never happen. Thus, in an environment of rising home prices, underwriting standards tend to become lax, and other risk-management measures tend to be loose. When house prices are rising, lenders are not punished for poor judgment, mistakes, or even for making loans based on fraudulent claims by borrowers regarding their income and financial situation. As long as house prices continue to rise, borrowers either keep up with their payments or sell their homes and use the proceeds to pay off their mortgages.
It is rising home prices that created lax standards, not lax standards that created a housing bubble to goose the economy. Kling:
Congress and regulators put pressure on financial institutions to broaden access to mortgage credit by lowering down-payment requirements. This allocated house price risk away from home buyers and toward financial institutions. Meanwhile, regulators approved maneuvers by financial institutions to minimize capital, notably through the creation of structured mortgage securities that earned high ratings from credit rating agencies. (See “Not What They Had in Mind: A History of Policies that Produced the Financial Crisis of 2008.”)   
Capital standards play a big role in determining the shape of the mortgage market. Financial institutions and mortgage financing mechanisms that are favored with low capital requirements are at a competitive advantage. Invariably, growth will take place where capital requirements are weakest.   
Mortgage capital requirements are very difficult to calibrate. If regulators make them too high, lenders will be driven out of the mortgage market and into other forms of lending, which may be even riskier. If regulators make capital requirements for mortgage lending too loose, they allow lenders to build up dangerous leverage, as happened in the years leading up to the financial crisis. It is my belief, based on what we saw take place in the recent decade, that it is impossible for regulators to allocate house price risk effectively to financial institutions. The only way to avoid a repeat of what we saw in 2008 is to make sure that home buyers take on some of this risk.

Don't regulate the financial industry, unload the risk on the homeowner. McArdle:
3.The government can continue writing mortgages under the old rules AEI's Ed Pinto notes that government entities like the Federal Housing Administration are grandfathered for up to seven years (or until they write their own final rules). So while it's probably going to get harder to obtain a new mortgage, it won't get much harder for quite some time. These days, federal government is effectively almost the whole market for mortgage originations. As long as they don't have to follow these new standards, borrowers with high debt-to-income ratios will still have options.
 
 The CFPB covers this as well.
In addition to the Ability-to-Repay rule, today we are also issuing a proposal for potential adjustments. There are two key parts to the proposal:
  • First, a proposed exemption for designated non-profit creditors and homeownership stabilization programs, as well as certain Fannie Mae, Freddie Mac, and Federal agency refinancing programs. These programs generally appear to be already subject to their own specialized underwriting criteria, and they are designed to help consumers refinance into a more affordable home loan.
  • Second, a proposed a new category for certain loans made and held in portfolio by small creditors, such as small community banks and credit unions, called “Qualified Mortgages.”
Qualified Mortgages are a category of loans where borrowers would be the most protected. They, among other things, cannot have certain risky features like negative-amortization, where the amount owed actually increases for some period because the borrower does not even pay the interest and the unpaid interest gets added to the amount borrowed.
 
While it is possible that McArdle did not read the release she linked to, it is more probable, given her history of misleading, misunderstanding and obfuscating regarding Warren, that McArdle is very carefully giving the wrong impression by withholding part of the truth. She does not say that Fannie and Freddie don't have to follow rules, she says they do not have to follow that rule, which is correct.They must follow other rules. She thereby creates the impression that the CFPB's rules are typical governmental bureaucratic waste of time. This is why she gets the big bucks; her skill in using elision and misdirection make her a valuable asset to propagandists.
4. The new rules tell you a lot about how the CFPB thinks
 
Actually, they tell you a lot about how Megan McArdle thinks.
The new rules are part of the CFPB's drive to create "qualified" mortgages: low-risk, easy to understand products that will prevent consumers from getting themselves into trouble. Their mandate is not to protect banks (and savers) from default; it's to protect borrowers from themselves. That's why their approach is focused on the household income statement. I go along with the CFPB in saying that even if you aren't likely to default, you should not have a debt to income ratio that approaches 50%. It's bad for your financial health. Too much of your income is tied up in long-term fixed obligations which cannot be shed without major financial repercussions. That leaves you extremely vulnerable to any sort of financial shock: a job loss, a family member who needs expensive care, an emergency. People whose debt-to-income ratios are so high are almost certainly skimping on necessary line items like savings.  
The difference between the CFPB and me is that I wouldn't mandate it; I don't like rules that make some people worse off, in order to protect still other people from themselves. But this sort of paternalism has strong support in a lot of the wonkosphere, most notably from Elizabeth Warren, the intellectual progenitor of this agency. They have clearly embraced financial paternalism as a core part of their mission. And this rule reflects that emphasis.

Here we see the other major category of McArdle's skill set, concern trolling. McArdle thinks accusing liberals of paternalism will give conservatives the opportunity to shout down liberals with accusations of hypocrisy, who will be immobilized by their white liberal guilt and unable to fight back.

So at long last, we have the Considering Elizabeth Warren, The Scholar Part II: The Paternalisming takedown! True, McArdle was so wary of stirring up another hornet's nest of embarrassment that she did not mention Warren by name until the last paragraph and the Warren part of the takedown is a few sentences, not the earthshaking event we were expecting, but beggars must not be choosers.

Although I'm kind of worried about her book. Going by the Warren example, the essence of it will fit inside a Twitter.

Tuesday, January 15, 2013

The Latest Moral Crusade of Andrew Sullivan

Chronic failure Andrew Sullivan is incensed that Jodie Foster did not publicly fight for gay rights, instead trying to preserve a little privacy throughout the length of her extremely public life.
I'm thrilled Foster can now live a fuller life with less fear. I'm saddened she waited until others far less powerful had made the sacrifice to make that possible. And that she waited for the safest moment of all - winning a well-deserved Lifetime Achievement Award - to do so.
Sullivan is not just an activist for gay rights, he's also an activist for white people seeking to prove the genetic inferiority of blacks. But he's furious that Foster brought her friend Mel Gibson to the event.
Her date last night, believe it or not, was wife-abusing, homophobic anti-Semite, Mel Gibson. Would you entrust your young sons to a man with Gibson's violent and vile history?
Mel Gibson, at least, has a reason for being a bigoted nut; he was cruelly and thoroughly brainwashed by a bigoted, nutty ultra-Catholic father. (The linked post is extremely good.) Gibson is the inevitable product of his grossly authoritarian upbringing but Foster, a highly respected figure, is his friend anyway. There is probably a little more to him than his demons.

But what is Andrew Sullivan's excuse for his own demons, that set him to persecute his political enemies in the tradition of the very worst anti-Semites and homophobes? Watching Sullivan rack up page hits by trashing yet another woman he deems "narcissistic" and "self-loving" is nothing new but it seems that many people never tire of Sullivan's man-of-the-world-man-of-the-people shtick.

Sullivan quotes Foster saying:
I already did my coming out about a thousand years ago, back in the Stone Age, in those very quaint days when a fragile young girl would open up to trusted friends and family, co-workers, and then gradually, proudly, to everyone who knew her, to everyone she actually met. But now, apparently, I’m told that every celebrity is expected to honor the details of their private life with a press conference, a fragrance, and a prime-time reality show.
 
Bizarrely, Sullivan ignores Foster's statement that she came out publicly to the people in her life, the only people with whom she felt that she should share the information.

What unadulterated bullshit. She never came out until, very obliquely, in 2007.


Sullivan's public is not Foster's public. Sullivan wants as much attention as possible and built a career based on  forcing the public to accept the legitimacy of a gay Catholic Tory/Republican. He is driven by his demons to gain public recognition and admiration, in which he finds personal validation. Foster has lived in the public eye all her life. And of course she does not mention it but her early adulthood was spent in an especially and  horribly conspicuous public circus, when John Hinkley Jr. shot Ronald Reagan to impress her. 

[S]eriously, if you had been a public figure from the time that you were a toddler, if you’d had to fight for a life that felt real and honest and normal against all odds, then, maybe, then you too would value privacy against all else. Privacy. Some day, in the future, people will look back and remember how beautiful it once was. I have given everything up there, from the time that I was 3 years old. That’s reality show enough, don’t you think?
 
 Foster was probably referring to the loss of privacy in our crowded and security-minded world as well as her own media-saturated life but Sullivan unaccountably assumes she is talking about his own predominate concerns.


 "How beautiful it once was"? When gay people were put in jail, or mental institutions, or thrown out of their families - all because of the "beauty" of privacy for Hollywood royalty like Foster?

Foster was born in 1962. It's more than a little unfair to blame her for events that were already changing when she was a little girl. It is especially unfair to blame Hollywood for public persecution of gays. Rock Hudson was not obligated to ruin his career so Andrew Sullivan wouldn't have to deal with the homophobes in his own party.

When someone defends Foster's desire to live her life on her own terms Sullivan just hand-waves the issue away.


Yes, yes, yes. But the only way we were ever going to get past that oppression was through it. I'm thrilled Foster can now live a fuller life with less fear. I'm saddened she waited until others far less powerful had made the sacrifice to make that possible. And that she waited for the safest moment of all - winning a well-deserved Lifetime Achievement Award - to do so.


There is something very familiar about such a complaint. Oh, I know. Andrew Sullivan now lives a richer, fuller life with less fear because soldiers far less powerful than he make the sacrifice of their lives and limbs to feed his career. Andrew Sullivan is evidently hoping that Jodie Foster will do the same.


 

Thursday, January 10, 2013

Sex And The Libertarian Male

It seems there has been a debate recently in LibertarianLand regarding the male/female ratio of the libertarian population. One participant was Sweet Young Thing Julie Borowski, as mentioned in the comments to an earlier post (thanks, anon!), an ambitious young libertarian who has supped delicately at the Koch teat for some time, finally ending up at the Koch-supported Freedomworks.

(As we all know, Freedomworks is a grassroots-activism-for-hire company, providing a populist veneer to plutocrat activities. Since Ms. Borowski is a university graduate (with honors!), she presumably understands the nature of her job but her enthusiasm for the specialness of her political group sees to carry her past this little road bump in her idealism's path.)

Borowski told her viewers that few women are libertarians because women are passive and submissive. Sarah Skwire and Steve Horwitz responded at Bleeding Heart Libertarians (no, I've never head of it either), taking Borowski to task for her sexist attack on other libertarian women. Obviously Borowski is accustomed to working at the shallow end of the intellectual and moral pool (after all, P. Suderman, boy rat-f*cker, used to work at Freedomworks). She did not realize that demeaning women, a time-honored conservative path to wealth and power, does not work as well with libertarian women, who consider themselves above conservative sexual mores.

But Megan McArdle, whose never misses a chance to extol her own virtues and rhapsodize about her domestic bliss, immediately made the controversy All About Megan.

The Problem With Libertarian Women is Not Libertarian Men

They're great relationship material

A few days ago, Sarah Skwire and Steve Horwitz penned a thoughtful essay on why there are so few women libertarians. This has triggered some natural chaffing, most recently from my colleague, David Frum:
"[Maybe the best answer to why women reject libertarianism is that so many women feel they already spend enough time with toddlers."]  
Mr Frum is treading well-worn ground here. Six months ago Ann Friedman somehow persuaded New York Magazine to publish a piece titled "Paul Ryan is Your Annoying Libertarian Ex-Boyfriend" which checked off every trope. Libertarian guys are totally selfish, because--Ayn Rand! And sexist! And they don't use birth control! 
. . . er, what? Friedman appears to have taken her notions about libertarians from a Very Special Episode of Sex in the City rather than, from, say, observing actual libertarians. And this particular stereotype doesn't make any sense: if libertarian men really were as selfish as she suggests, wouldn't they be maniacal about protecting themselves from unwanted, time-and-money-sucking children?

McArdle's low reading comprehension level often leads her astray, the poor little addle-headed thing. This is what Friedman actually said:
In the dating world, an infatuation with Ayn Rand is a red flag. You might not see it right away: Your date is probably conventionally attractive, decidedly wealthy, and doesn’t really talk politics. But then you get back to his apartment, set your bag down on his glass-topped coffee table, give his bookshelf the once-over — and find it lined with Ayn Rand....  
[T]hat dog-eared copy of Atlas Shrugged tells you everything you need to know. He sees himself as an objective iconoclast. He's unapologetically selfish, because it's only rational, he says. Sure, he grew up with money but he worked to get where he is today. He’s all about individual responsibility but he just isn’t, metaphorically, into wearing protection.  
This is the part where you collect your shoes and bag and GTFO.
Not that we blame McArdle for her confusion. True, Friedman didn't just use a condom metaphor, she actually pointed out she was using sexual protection as a metaphor by writing the word "metaphorically," but Megan McArdle is on a mission. Like Miss Borowski, McArdle wants to be cool and if she can't be cool by actually doing cool things, she'll be cool by telling everyone at great length and with fervent enthusiasm that she is really, really cool, and of course so is the male of her species.

This touches on something I said in the comments of my previous post:

They are libertarians because they want to be cool. That is, they want to be free of authoritarian control. They rant about the same thing as social conservatives because they are reflexively anti-liberal but unlike conservatives they see no reason why they should publicly conform to tribal boundaries.

They think they are leaders because they flaunt tribal rules but making up a fictional political class to legitimize your tribal transgressions is hopelessly authoritarian. They want to make their own rules, follow their own moral code, create their own art, gain power and influence through their own political action but they can't.

The rules, morals, art (propaganda), power and influence on their side is controlled by the wealthy, for the wealthy's very own benefit. This is why the followers chose that side to begin with; it was the side of the rich and powerful and they hoped to benefit from their proximity to all that money, safety, acceptance, admiration.

But being a follower means that their art, politics, entertainment, and religion must be tailored to help the leaders, not the followers. They have broken free of the followers' rules but they will never be able to break away from their leaders' rules, unless they were to abjure their position in the group.

They don't understand--they never understood--that they don't make the rules, they just enforce them.

So Julie Borowski wants libertarians to hurry up and gain power over the dominant liberal culture by creating libertarian culture, which will somehow immediately become popular. More Dennis Millers and Judd Aaptows and Atlas Shrugged!

But "art" is the creation of a connection from the artist to the viewer. The artist attempts to express his own emotional/intellectual life through his work and the viewer interprets the work through his own emotional/intellectual prism. Art tells us who we were, who we are, who we can be. Propaganda tells us who or what we must be, for the benefit of the propagandist. And it will never be cool.
 
The right longs to be cool because they long to feel special, to both belong to a group and be admired by everyone out of the group. Being cool is the only way they can think of to distinguish themselves from the rest of the conservative followers and defeat their hip liberal enemies. As McArdle says, it's not like they are really trying to govern anyway.

So perhaps it's useful to offer the perspective of someone who's observed the species in its native habitat. Unlike Friedman (and I presume, Frum), I have dated a bunch of libertarian guys . . . and a bunch of liberal guys . . . and a few social conservatives for good measure. And I'm here to report that libertarians make terrific relationship material.
To be sure, I am the first to admit that libertarians are . . . quirky. Asperger's is definitely overrepresented in the community, and with it, various nerdy obsessions. Spend a bunch of time around libertarian guys and you're apt to learn a lot about music, and comic books, and action movies, and computer programming . . . a lot. He could lend you a book, if you want. And he'd be really happy to sit down and spend four or five hours explaining college football statistics to you. Do you want that alphabetically, or north to south?
 I am reminded of something else Friedman said in her post:
As GQ’s Marin Cogan points out, Romney has a tendency to mansplain — informing listeners, in great detail, about mundane things with which they are already familiar.
 
Libertarian men, McArdle tells us, are not just intelligent; they are also good people.

What libertarian guys are not, in my experience, is selfish cads. Full disclosure: I am biased. Some of my best friends are libertarian men, and I even married one. Nonetheless, I'd like to issue a memo to pundits: the personal is not political.  
"The personal is not political."  Those are pretty strange words coming from a woman. Political decisions affect our personal lives every day in fundamental ways. Political decisions gave us the ability to control our own lives legally and physically. Perhaps McArdle is thinking that people make political decisions for ideological reasons, which fits her previous statements. She says she does not understand why people disagree vehemently about politics. Why do they get angry or refuse to come to agreement or make unpleasant accusations of heartlessness and moral degeneracy? It's not personal, after all! From an article on the phrase:
[Carol Hanisch's] essay "The Personal Is Political" said that coming to a personal realization of how "grim" the situation was for women was as important as doing political "action" such as protests. Hanisch noted that "political" refers to any power relationships, not just those of government or elected officials.


But McArdle is an authoritarian and does not want to change the current power structure, which pays her a lot of money to churn out propaganda. Therefore she denies that the personal is political to serve her personal needs.

Even if we accept the absurd notion that it is the blackest sort of selfishness to oppose taxing away someone else's money in order to give it to a third party, that belief wouldn't tell you anything about their personal behavior. Some of the greatest humanitarians in history have been some of the worst husbands, friends, and fathers.
 
Yes it would, because only a selfish rat would want to enjoy all the benefits of modern, expensive society without paying for them, or attempt to ensure that only the wealthy benefit from taxes.  Selfish people are also selfish to their loved ones.

My personal empirical research indicates that in fact, libertarians make great boyfriends and husbands (though my sample size on the latter is pretty small). The ones I've dated have actually been super considerate, and very concerned with pulling their own weight, though I couldn't say whether this is random chance, or the natural outgrowth of a value system that emphasizes voluntary, mutually beneficial cooperation. I will say that it is unusually easy to divide chores with someone who favors simple, rules-based systems for cooperation.
Bullshit. Libertarianism is "the natural outgrowth of a value system that emphasizes voluntary, mutually beneficial cooperation" only in her dreams. Perhaps she meant "voluntary, personally beneficial exploitation" instead but mis-typed. One can only imagine how tedious it is to constantly have to negotiate terms with a libertarian partner who must be convinced that he is not being taken advantage of by a moocher spouse.

On a personal level, it seems that there is no power conflict in her marriage, which is a wonder under the circumstances. McArdle is almost ten years older than P. Suderman, is better and more prestigiously educated, almost certainly makes more money, has a more-prominent social and professional profile, and enjoys a very high degree of confidence in her own abilities. It is impossible for a perfect balance of power to exist in a marriage without constant and conscious effort on the part of both partners.

But that is libertarians for you, a mighty and egalitarian folk who, despite their beliefs that some people are simply better than others and all those better people just happen to be rich, are only too willing to pull their own weight. For instance, when P. Suderman was creating fake grassroots websites to fool the rubes into supporting bank bailouts he was merely being self-sufficient. By supporting the rich he was actually supporting himself, and who could argue with such rugged individualism?
Libertarians are also surprisingly good at romantic surprises. They are usually what Adam Smith called a "Man of System": they love sitting around by the hour, constructing elaborate systems for solving every problem. Which means that they do a smash-up job of planning that extra special, over-the-top anniversary or birthday extravaganza. Virtually all of the best gifts I've ever gotten have come from libertarian guys.
And we all know how important getting gifts is to Megan McArdle.
Of course, I have also dated lovely liberals and considerate conservatives. In fact, while I've had generally great experiences with libertarian men, I can't say I detect much of a correlation between political views and personal qualities: the worst louse I ever dated was a bleeding-heart liberal, as were some of the nicest, most upstanding fellows. Choosing a mate by political label is like choosing food by the picture on the box.
So while McArdle has just written a post saying that libertarian men are great because they abide by  libertarian ideology in their personal lives, ideology really doesn't matter after all.
So no, the lack of libertarian ladies is not due to the inadequacy of libertarian guys. I have some theories as to what might be behind it . . . but I'm afraid that at the moment, I have to go make a non-ideological dinner for myself and my husband.
Evidently P. Suderman lost the negotiation over who would do the cooking.

We eagerly await McArdle's article on why so few women are libertarian when libertarian men are such swell and egalitarian guys.

Saturday, January 5, 2013

Freedom Is Obedience




Only through perfect obedience will you achieve freedom. Freedom from the terrible burden of free will, which means we are responsible for our choices and the consequences of those choices. Freedom from self-doubt, from the fear of failure. Freedom from loneliness, as you join others seeking the same nirvana. God promises eternal life, God is the superhero buddy that's always on your side, God's love will take away fear and pain and give you perfect happiness.

For K-Lo, it's a no-brainer. (Literally.) The only kind of freedom she wants is the freedom to give away her rights as an individual and take away the individual rights of others for their own good. For authoritarians, just as goodness is obedience, freedom is obedience. If God gives us liberty we will never truly be free because our freedom depends on the indulgence of God. But K-Lo, bless her heart, never sees the contradiction in her words. If God gave us free will he wants us to have the right to make our own choices instead of being forced to obey him.

But in K-Lo's interpretation of her religion, our only purpose in life is to worship God by demonstrating absolute obedience to his will. Therefore anything that interferes with absolute obedience is abridging her freedom to be obeisant to her god. It is impossible to find common ground politically with such a person because they feel they are standing on consecrated ground and you are trying to drag them to hell.   

Monday, December 31, 2012

For Your Viewing Pleasure

How Not To Stop A Shooter, a comic by Matt Bors.

How Terrible Is Megan McArdle?

Despite the fact that I am trying to move beyond being a Megan McArdle-centric blog, that TBogg already wrote a very funny recap of the post in question, and that Charles Pierce wrote a pithy and wonderfully illustrated post* on McArdle as well, there is one thing I would like to point out as well.

 First, let us pause to acknowledge that of all the ways to discuss the economics of Christmas, McArdle chose to examine whether or not she is getting her money's worth when she receives presents from friends and relatives.

How Terrible Is Christmas?

Should we bother giving all those useless gifts?

I am probably not the right person to answer this question: I spend the week with my father, who lives in a cosy little house with a water view, where we eat a lot and have reasonable conversations. During this week, presents are opened, mostly things that the other person actually wants and can use. I have no horror stories to share.  
But in this post I'm specifically addressing a question that is raised by one economist or another almost every year: isn't Christmas a huge waste? All those presents that no one wants represent huge deadweight loss. Wouldn't well all do better by giving cash, or skipping the process entirely?

Naturally, when McArdle discusses people who get crummy presents she does not include herself. Her family visits evidently are small, quiet, reasonable, and lucrative. No visits to Mom and Dad in her childhood home; her parents are evidently divorced and her father has moved to the seaside. No raucous get-togethers with hoards of relatives, grandparents, cousins and uncles and aunts, with little kids chasing each other around the house and toddlers playing with the wrapping paper and boxes. No loud and laughing reminiscences of childhood pranks or amicable bickering over adult differences of opinions. It's all terribly cosmopolitan.

This seems like a silly question in a world of wishlists--I got the exact martini glasses I wanted, the exact electric pressure cooker I wanted, and the exact 13-inch cast iron skillet I wanted, because people could go right on my Amazon wish list and identify them. And yet, I still had the surprise and thrill of opening gifts (well, okay, I knew what the skillet was before I opened it), because there were a number of things on my list. As far as I know, this experience was shared by everyone else around the McArdle hearth. And by millions of other families in the United States.
McArdle's relatives know better than to wing it when it comes to gift-giving.
I'm reading David Graeber's book, Debt, and while I'm aware of the problems, I do think he gets one thing really right: his exploration of money as a substitute for strong relationships. That is its appealing feature for cosmopolitans, of course; relationships are wonderful in theory, but in practice, they inevitably turn out to be parochial and limiting and an endless amount of work. You do this time consuming task of finding gifts which often aren't right, and then pretending to like and use the wrong things others have gotten you . . . and why bother if you could each buy yourself better stuff? The sociologist and anthropologist answer that the work is the relationship. The only way to have strong social ties is to spend an "inefficient" amount of time and resources investing in them.
Since McArdle just said her family chose to avoid any relationship work by using wishlists for their loved ones, we are left with only one sad conclusion. Nobody wanted to waste any of their time choosing a gift for her. And it is no wonder, for McArdle thinks that relationships are "parochial" (limited in scope or outlook), "limiting" (again), and hard work. Cosmopolitans, like McArdle and her family, would rather just spend money than give time. (Which makes all her donations of time to the IHS rather odd.) But fear not, relatives sometimes are of use after all. McArdle notes that they can sometimes come up with a present that McArdle never even knew she wanted, thereby broadening her shopping horizons. Let's let McArdle have the last word:
How much is that option value worth? I'd say a lot. Especially if it comes bundled with stronger relationships.


*note the url

Yee Haw!

The Jon Swift Memorial Roundup 2012, assembled every year by Batocchio at his blog Vagabond Scholar, is up and if you haven't checked it out yet, there are a lot of good  posts there. Don't miss Batocchio's entry; it's a comprehensive analysis of the types of conservatives that the right has devolved into. (I was especially pleased to see him quote a John Rogers (Leverage) post on conservatives because it was one of the first blog posts I ever read.)

Thursday, December 20, 2012

Double Down



A typical kindergarten class, as pictured by Megan McArdle.

Awesome art by Mike Mignola of Hellboy fame, found here.



As my helpful commenters and emailers noted, when confronted with an incredulous and mocking response on her latest stupidity, Megan McArdle inevitably doubles down with more stupidity.

Let's start with comments she made on her original post.
Peyton 1 day ago "encourage people to gang rush shooters," Yep. Those six year olds certainly fell down on the job by not rushing the grown man with the assault weapon. You are one sick bitca.
I always enjoy a Joss Whedon shout-out.
Man-who-asks-inconvenient-questions 1 day ago @Peyton 
It takes a village, don't you know?
Heh.
Gorbud 1 day ago @Peyton Thanks keep pushing that lie. It helps you avoid any reasonable response to the story. She NEVER stated that these kids could have or should have rushed anyone. People like you usually pick out something and twist it into a lie just to discredit another person. Really what is wrong with you can't you read. Or does the reality of the government's and your own impotence in the face of evil you can't wish away cause some kind of breakdown in a logical thought process? Obama's magic wand won't work on this problem. The government can't in-fact solve everyone of the world's problems. Big news for the Liberal world. Impossible to accept.
Wishful thinking becomes reality to this poor self-deluded person. McArdle is a master at giving her audience just enough wiggle room to claim that she is not as stupid or venal as she appears. McArdle did not say kindergartners should have rushed the gunmen. She said "young people" should rush gunmen. Now she can claim she meant older kids, which is still indefensible but a little less laughable. Normal human beings would not want any "young people" rushing gunmen ever. They would want their kids and their kids' friends and classmates to run and hide and survive. But Megan McArdle is no longer a normal person. She sold her soul to the devil in exchange for a sous vide machine.
PeterBuka 1 day ago @Gorbud @Peyton ''I'd also like us to encourage people to gang rush shooters, rather than following their instincts to hide; if we drilled it into young people that the correct thing to do is for everyone to instantly run at the guy with the gun, these sorts of mass shootings would be less deadly, because even a guy with a very powerful weapon can be brought down by 8-12 unarmed bodies piling on him at once.''What part of that is it you do not understand? If a sane person writes a sane article and finishes it off with complete insanity, that tends to reflect poorly on the sane portions of the article. Similar to Churchill being a savior and a racist at the same time. The racist part tends to smudge his good standing.
McArdle's own words condemn her.
MeganJ.McArdle 1 day ago @PeterBuka @Gorbud @Peyton You should read the rest of the article, in which I made fun of the idea that primary schoolers could have rushed Lanza.
Here is her usual claim that her critics did not read what she wrote. It's a pathetic response but less pathetic than her other typical response, that the critic did not understand what she wrote. And it sets up the lie in the rest of the sentence.

Do you want to know why Megan McArdle is rich and you aren't? Because Megan McArdle is a liar and you aren't. McArdle routinely lies, giant, honking, bald-faced lies, for a wide variety of reasons. Money, of course. Heh! Naturally she lies for money, because she can. There is nothing to stop her. She's not afraid of losing jobs or income; she knows she can always find someone who needs liars to peddle propaganda for them. She's not afraid of social ostracism; her friends, colleagues, and relatives obviously do not find her actions to be morally repellent either. If they did they kept quiet about it, for reasons of their own. So McArdle lies for money when she finds it furthers her ideological goals.

But there is much more to McArdle than greed, of course. There is also vanity, and McArdle lies to save face. This unusually wide-spread public humiliation threatens McArdle's carefully crafted and cultivated high opinion of herself. Prep school scarred her life, evidently. She went to very high prestige schools that most people worked extremely hard to enter. McArdle went to school with lot of very intelligent people over the years (as well as many idle upper class kids like herself). And let's face it, the poor dear just isn't very bright. It had to have been humiliating to be surrounded by people who could actually understand what the professor was saying and could say something intelligent in response. McArdle must be wise, witty, intellectual at all times and the only way she can achieve that goal is by lying, so she lies.
raskolnikovx9 1 day ago 
@MeganJ.McArdle @PeterBuka @Gorbud @Peyton No, but Megan you wrote the above statement and you did it in earnest. Care to retract and apologize? Because, beyond being so very stupid, its very, very offensive. Merl Lino 1 day ago @MeganJ.McArdle @PeterBuka @Gorbud @Peyton You didn't make fun of it you said you didn't know if it would work. You you say that about everything. Please explain what the words, "I would like to see." mean. You don't say that about everything else proposed. Don't wriggle. Admit you proposed something that is terribly wrong and for some unaccountable reason didn't realize that the instant your wrote it.  
Icewaterchrist 1 day ago 
@MeganJ.McArdle @PeterBuka @Gorbud @Peyton please quote that then, because I can't find it anywhere in your article.
She did not, because she could not.

People are very tempted to ignore lies because we all lie at times. We do not, however, make a career out of it. McArdle followed her first post with a couple more. In her next post on the shooting McArdle helpfully pointed out that "I was talking about teenagers, not first graders," not knowing that any parent would be just as appalled at the thought of their 14-year-old daughter rushing a man with an assault rifle.  McArdle explained that it's possible for adults to rush a gunman under some circumstances, although she did not explain why she gave that option as a response to yet another mass shooting of small children.

What often happens in these sorts of attacks is that people run and hide. Split up into ones and twos, they are easy targets for the shooters, who find it easy to pick off cowering people one by one. Unless the shooter's weapon is temporarily disabled--as seems to have happened with Loughner--one or two people are unlikely to be a match for a rifle or a handgun. But it seems to me that 8-12 people could be. Not an automatic weapon, of course, but automatic weapons are not usually used in these attacks, because it's been illegal to manufacture or sell more of these guns for civilian use since 1986. A semi-automatic weapon takes time to aim and fire, and hitting a moving target with a fatal shot is harder than hitting someone who is hiding under a desk.
Please remember that Megan McArdle is hair-splitting the death of children to prevent anyone from passing gun control laws. She has several other reasons why nobody can do anything ever, but let's skip to the end.
Obviously, it is beyond horrible to suggest that even a small number of attacks are largely unavoidable. I don't like saying it. Unfortunately, I think it's true. Which means that it's worth thinking about whether there is something--anything--that people in that situation could do to make them less fatal.
We can't stop random murders so we should not try to control gun sales, but we should try anything up to and including forcing all our teenagers to take SWAT training so they can run towards a man firing a semi-automatic weapon at them. But is McArdle really a liar if she was careful to avoid saying that small children should rush a gunman? Maybe her critics are being unfair by accusing her of wanting to put kids in mortal danger. Fortunately McArdle clears up this dilemma by lying once more about her response.
Merl Lino 1 day ago 
"But I was talking about teenagers, not first graders." You said in a reply to a comment that you meant it as a (very bad) joke. Now your make a different excuse, possibly because you also said you wanted to encourage it unlike other proposals you deem ineffective. Those you wanted to discourage and not recommend. You new response doesn't hold water. The human shield response is not a good one, and training teenagers to do it is absurd. You just reinforce the fact that you are totally without common sense.  
MeganJ.McArdle 20 hours ago 
@Merl Lino I didn't say that. You misread me.
Bingo!
Merl Lino 14 hours ago 
|I covered this, wyour wrote "MeganJ.McArdle 2 hours ago@PeterBuka @Gorbud @Peyton You should read the rest of the article, in which I made fun of the idea that primary schoolers could have rushed Lanza." I replied: "But she wrote, "I'd also like us to encourage people to gang rush shooters, rather than following their instincts to hide; if we drilled it into young people that the correct thing to do is for everyone to instantly run at the guy with the gun, these sorts of mass shootings would be less deadly,.." In the rest of the article she expressed doubt that regulations would be effective, but didn't say she would "like to see them encouraged." She just can't seem to admit that her proposal is terribly wrong or explain why she did not realize that instantly as she wrote it." ----- Can you explain the fact that in the part I quoted you said you'd like to encourage human shield tactics even though you had doubts it would work, but you try to discourage regulations of guns which you also think might not work? Encourage...one set of proposals but discourage the other though you have doubts either of them will work? Then in your first response to that idea you said you were "making fun" of that suggestion? Now you say you were trying to encourage young people, not little kids? So then it was not you making fun, it was you trying to encourage teenagers--you now say--you wanted to gang up .Instead of retracting the suggestion you now elaborate it into a training program for teenagers to learn to react as human shields. You should just admit that it is a preposterous suggestion that you would like to retract.
She can't. She's trapped, by her ego and her lies. She deserves every bit of her humiliation.

Wednesday, December 19, 2012

The Princess And The Pea Brain


It's all just a game.


This is what sounds smart to a dumb person. For the real problem with Megan McArdle is not her utter lack of empathy for anyone outside of her immediate circle, her mystification at the idea of journalistic ethics, or her vacuous worship of consumerism and all the rilly nice people who provide her with new kitchen gadgets. It's her intellectual capacity. She's dumb. She has the brain the size of a pea. She doesn't have two brain cells to rub together and she would probably end up setting herself on fire if she tried.

But she's dumb in a very special way. McArdle repeats what smarter people say, pretending that she was able to reason out the issue as well. She links to intellectual-looking resources but those works contradict or do not support what she claims. She examines every aspect of the situation in excruciating length, substituting verbiage for analysis. But the words are all empty; meaningless pseudo-intellectual garbage. There is no supporting evidence, no analysis, no chain of argument. There is nothing but a not-very-clever woman who thinks she is being smart, sophisticated and an intellectual leader when she says that children should rush a gunman who is opening fire on them.

Why make such a stupid statement? Because she is stupid. McArdle does not like the idea of gun control because she does not like the idea of people telling her what to do.
I wasn't going to buy a gun, because, hey, what would I do with it? But the chicken guano rules that DC is imposing make me want to buy a handgun just to annoy the twopenny tyrants who thought them up:

[snipped quote]

May I really carry it inside my home without a license, just as if I were a free citizen in a country that respects individual liberty? I am overcome with gratitude, really overwhelmed with the state's generosity . . . permission to cry, sir?
Stupid people do not realize that they are making knee-jerk, adolescent decisions based on a disproportionate sense of self-importance, spite, and greedy anticipation of grabbing everything they want (or might want some time in the future) before anyone else can take it away or keep it for themselves. Stupid people think they are following their ideology to its logical conclusion. They ignore common sense, logic, reason, and empathy because they they have an ax to grind.

Stupid people are also superstitious. The larger framing of McArdle's stupidity is the belief in a universal struggle between good and evil.
Trying to climb this mountain of wickedness is like trying to climb a glass wall with your bare hands. What happened there is pure evil, and evil, unlike common badness, gives an ordinary mind no foothold.
And:
But I doubt we're going to tell people to gang rush mass shooters, because that would involve admitting that there is no mental health service or "reasonable gun control" which is going to prevent all of these attacks. Which is to say, admitting that we have no box big enough to completely contain evil.
Believing in evil is very convenient and satisfying. People are either good or bad. Good people almost always do good things (we are Fallen, after all) and bad people always do bad things. Therefore if anyone that McArdle considers good--corporate CEOs, titans of industry, hedge fund managers--does something bad, McArdle is easily able to deny that those bad actions ever occurred. If McArdle does not like the idea of gun control she can choose to believe that bad people are born that way and there is nothing anyone can do to stop their bad actions. Whether or not McArdle actually believes this is immaterial. Many people unconsciously choose to pretend that they believe in something if it is to their advantage.

The normal reaction to the mass shooting of a bunch of small children is horror and grief, in varying degrees of course. But McArdle does not want to be horrified because she is wrestling with even stronger emotions, her allegiances to those who ally with the gun lobby. McArdle doesn't care about guns much herself and certainly is not happy to see them used to kill kids. But McArdle is a libertarian married to another libertarian, Peter Suderman, who works for Reason, which has a long history of fighting gun control. She does not like to see her views and the views of people like her under attack. So she decides that gun control just wouldn't work, and in her infinite wisdom she shares all the reasons with us little people on her blog.

Most of her reasons consist of saying that nothing can be done to stop someone who wants to shoot people. They will carry out their plans no matter what they circumstances. That might be true but McArdle does not think that it would be any use to try to stop them. Mental health facilities? They already exist, so nothing more need be done. More gun laws? Gun laws already exist, so more will fail. Less lethal guns? They'll just use more guns instead. She has an excuse for everything to insure the nation is inactive in the face of mass shootings. But her excuses are based on willful denial, the refusal to feel any horror at the strange fruits of our gun culture so she can continue to ally herself with libertarians and conservatives. In McArdle's tribal thinking, libertarians are for guns and liberals are against guns, and McArdle finds it extremely gratifying to imagine her side is winning an argument against the side of her enemies.

Conservatives who argue that a total ban wouldn't lower the homicide rate are being ridiculous.   
America would still have a higher homicide rate than anywhere else, because for whatever reason, America is an incredibly violent place.
 
America has more guns than many other countries and America has many more deaths because of all those guns, but she cannot figure out why America is such a violent place. Bullshit. Of course she can. She just does not want to, and her willful ignorance makes her stupid.


But I think there's no question that our homicide rate would be lower than it is now, simply because fewer killings would succeed.

Nor am I going to go through the various cost-benefit reasons that we might want to allow guns, such as defensive uses. I find some of these arguments compelling, others less so. I will say that liberals who argue that defensive uses never save lives are being just as ridiculous as conservatives who claim that guns don't increase the death rate. We don't know the number of defensive uses, but we do know that they happen, because there are many well-documented cases. 


But now is not a good time to have a cost-benefit discussion, and there may never be a good time. The two sides are too far apart: gun control is mostly advocated by people who do not own guns, or want to own guns, and for them it is therefore a zero cost policy. Maybe a negative cost policy, because--apart from the violence--they have a fairly intense cultural antipathy for people who spend a lot of time playing with guns. Randall Collins notes that "US surveys indicate the favorite TV shows of liberal Democrats are comedians satirizing conservatives; conservatives' favorites are college football." However right they may be, those people are not in a good position to persuade gun owners that they shouldn't want to own guns, or that having them taken away is a negligible cost in the bigger picture. Nor have gun owners had any better luck explaining to the other side why they might want to own guns even though some people abuse them.
 

So I'll merely point out what Jeffrey Goldberg has already said, better and at greater length, in The Atlantic: the discussion is moot. You can't ban guns. That ship has sailed.
 

It seems strawmen, not diamonds, are a girl's best friend.  They enable McArdle to indulge in her favorite activity: pretending to be an intellectual Big Thinker dispensing her wisdom to the less elite. Nuance is ignored so Miss Megan can play Pretty Pretty Princess, earning her plastic jewels hard-earned pay as a reward for her specialness. All liberals hate guns, for whatever reason, so of course they want to ban all guns. It's in their culture, which mindlessly controls their every move. Meanwhile conservatives, for whatever reason, "spend a lot of time playing with guns." It's in their culture, evidently, to covet gun ownership. So gun control is impossible, just as caring for the mentally ill is impossible and public safety is impossible and everything else that Megan McArdle considers liberal is impossible.

But one thing, perhaps is possible. It is conservative and libertarian to unload all of the burdens of society on the individual, so Megan McArdle says that it should be individuals who stop mass shootings. It sounds perfectly logical to her!
My guess is that we're going to get a law anyway, and my hope is that it will consist of small measures that might have some tiny actual effect, like restrictions on magazine capacity. I'd also like us to encourage people to gang rush shooters, rather than following their instincts to hide; if we drilled it into young people that the correct thing to do is for everyone to instantly run at the guy with the gun, these sorts of mass shootings would be less deadly, because even a guy with a very powerful weapon can be brought down by 8-12 unarmed bodies piling on him at once. Would it work? Would people do it? I have no idea; all I can say is that both these things would be more effective than banning rifles with pistol grips.

Yes, Megan McArdle just said that the "young people" should  rush the gunman or men and take them down. Because only a fucking moron would say that kindergartners should be trained assassins, McArdle fudges the issue a little but the point is not gun control or little kids' lives or the mental health of our nation. The point is that Megan McArdle is right and all those stoopid liberals are wrong. How does she know this? A rich lady is paying her a ton of money to give such opinions. She has to be right.

And what is the agonizing tragedy of little children's death next to Megan McArdle's need to stroke her own ego and revel in her own specialness?
 

Monday, December 3, 2012

For God And Douthat

I am sorry about the lack of posting; all my spare time is taken up re-learning algebra, cleaning and getting organized for holiday parties, and holiday baking. It seems the Algebra Gods are cruel; if you don't learn it the first, second, or third time, you will end up having to re-learn algebra to teach it to your kids. I have not posted for weeks but I can now graph an equation three different ways.

Meanwhile, Ross Douthat is putting his big forehead to use by dreaming up fun ways to eliminate Social Security via the payroll tax.  His two recent posts on the matter reveal his fundamental, very un-Christian disregard for anyone without a six-figure income and extensive benefits. Douthat doesn't try very hard to convince others of his cute little idea; he didn't get where he is today by thinking and he obviously sees no reason why he should start now.

But before we dive into the dry matter of taxes and Douthat's continuing effort to give his masters a minimum of value for their inexplicably generous pay, let us detour to the Douthat corner of SexyTown, population of one. TBogg has already covered Douthat's musings on how to get Americans to take one for the team by bearing more children then foreigners because civilization demands it but such a fascinating subject demands more examination.

The retreat from child rearing is, at some level, a symptom of late-modern exhaustion — a decadence that first arose in the West but now haunts rich societies around the globe. It’s a spirit that privileges the present over the future, chooses stagnation over innovation, prefers what already exists over what might be. It embraces the comforts and pleasures of modernity, while shrugging off the basic sacrifices that built our civilization in the first place.


This charming passage is an excellent example of the incoherence of Douthat's supposed philosophy. He wants to cut the payroll tax to give people more money now while saying that people are supposed to sacrifice their current financial well-being for the sake of the needs of future populations. If we are not supposed to put aside money for our own use in the future via Social Security, why on earth would we choose to spend thousands of more money now by having more children? How selfish can Douthat be?

Three thousand for pre-natal care, another three thousand for delivery (in 1990s dollars), hundreds more on clothing, furniture, bedding, diapers, other medical bills. And that's just for the baby. Lost wages, school expenses, extracurricular activity expenses, more clothing, more food, a bigger house, a better neighborhood, a car, insurance, car repairs, gas, entertainment expenses. And God forbid there should be a problem and the parents would have to spend tens of thousands more on doctors, therapies, and drugs.

As we shall soon see, Douthat wants a consumption tax to make up for the trillions lost if the payroll tax is eliminated. That would make having a baby even more onerous. But most of all, as TBogg points out, Douthat himself is not willing to do what he demands of everyone else. Douthat's wife is (gasp!) a working woman and as far as we know she has not stopped working to raise little Salome Jezebel Douthat and pump out many more little Douthats. How decadent! How selfish! How un-Godly! Why do people refuse to embrace innovation by controlling fertility? Why do they insist on standing athwart history yelling Stop! when they could be embracing the future instead? Don't they know that past generations, who had no choice in the matter regarding fertility, sacrificed by having children to build our civilization?

Since we all know that Douthat is a conservative Catholic who would never interfere with God's Plan for his Sacred sperm by refusing to accept God's Gift of a dozen or so children, we are forced to conclude that either Douthat has had sex but once in his life, or that in his ultimate arrogance Douthat has decided that he, not God, should determine how and when his property wife should conceive his children. It's bad enough that Douthat does not have a Bible-based marriage, with multiple wives, concubines, servants and slave girls bearing his progeny. That is, alas, all too common in these decadent modern times. But to refuse to accept God's will! It is enough to make me weep with grief and the fear of God's wrath!

Just look at the cuteness of Mrs. Douthat! How could Ross not want to force her to overbear?



The next time you run into her on the street, you be sure to ask Mrs. Douthat why she's not obeying her husband and popping out more babies for God and Christendom. It's not like our sexuality is a personal matter between ourselves, our partners, and our gods and goddesses. It's a matter of public record and must be discussed at every opportunity, the better to shame and control our neighbors.