Let's say you are in good health, a non-smoker, a normal drinker and eat decently. You drive responsibly with no accidents and an occasional speeding ticket. You live in a nice home in a region that has no hurricanes, tornadoes, floods, fires and little or no crime.
Yet every time your insurance bills come due, you see that they increase it for no reason of yours. You make no claims and they still go up, sometimes by 15 to 20 percent. Are you calling your congressman? Insurance company? No. You know what's going on? You are subsidizing all those people who live in disaster areas or who smoke and eat horribly or drive dangerously.
If this is what you do, then you should not gripe about Cash for Clunkers. It is a subsidy, but it is the only one of these mentioned that is truly a positive move. When three-quarters of a million inefficient cars are removed and replaced by new ones that average 12 mpg more, at an average of 10,000 to 12,000 miles a year, that's a hell of a lot of imported oil that is not imported, a hell of a lot of CO2 tonnage not spewed into the air and a few thousand jobs replaced. Yes, most of the cars were Japanese, but they were built in America. If all our subsidies benefited the planet this much, we'd be a lot better off. Think about that the next time you pay an insurance company.