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" "What the insurance companies have done is to reverse the business so that the public at large insures the insurance companies.
Gerald Leonard Spence (born 8 January 1929) is an American lawyer and writer.
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Early on de Tocqueville correctly observed that this democracy was one in which “men are seldom forced by it to act, but they are constantly restrained from acting. Such a power does not destroy, but it prevents existence; it does not tyrannize, but it compresses, enervates, extinguishes, and stupefies a people, ’til each nation is reduced to be nothing better than a flock of timid and industrious animals.…” (my italics).
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