When the state government won’t do its job, then the federal government sees fit to step in. Now, we could debate then what is the job of the state government. Should the state government institute healthy food programs in schools, or what role should it play in dealing with pollution? If we define a role, and it fails to live up to that role, then who else should do it?
Personally, I want the most efficient way of doing things being done, regardles of whether it is just spontaneous, or from Washington, or from Columbus. if federal school lunch programs improve children’s health effectively, then I do not care that it was the federal government that did it. It simply doesn’t bother me.
And some things, believe it or not, the federal government does better than any lesser governments, just by virtue of its position. That’s wy it monopolizes currency production, why it controls the armed forces. As for insurance, well, the insurance industry amounts to collecting and writing checks; or deciding who to write checks to, and who to collect them from. And it is no easier to manage an insurance policy of a person who lives in your zip code than a person who lives on the other side of the country, so being local isn’t reall yan advantage there. Also, the larger the insurance company (or the larger it’s pool of customers), the lower the per capita risk, and therefore the lower the premium. SO, theoretically, the ideal insurance company is the largest possible insurance company. So there is a reason for considering a single national insurance company. It could certainly be debated, though, whether the state itself should found a federal insurance company (much like it founded a national bank a long time ago) or if it should sponser a provate company’s monopoly, like what states do with energy companies.