The Failure of Government-Provided Prosperity

If I had one bit of advice to reach the ears of Barack Obama, Mitt Romney, and Ben Bernanke, it would be this: stop the illusion that you have any significant control over the US economy.  Government is designed for justice, and does not do well when trying to promote prosperity.  At most, economically, the government can set ground rules that reduce the probability of fraud.

As it is, at present, the US still has an over-indebted economy, and as a result, will grow slowly, because businesses and individuals in danger of default do not spend freely.

Politicians claim that they can being prosperity, but they rarely do that.  I’m not talking about marginal tax rates, or monetary policy, which offer transitory relief, but changes in regulations.  The economy as a whole would do a lot better if marginal regulation were reduced.  That would be a help, but few politicians in either party want to reduce the power of the government.

Prosperity exists aside from the government.  Yes, in the short-run the government can tweak the economy to grow faster, but at the price of the situation we are now in, where nothing works.  Far better for the government to focus on things it can do well: defense, internal security, public health, etc.  But it does not do well with macroeconomic management, so it should give up on that, run balanced budgets, and replace the Fed with a currency board.

At that point, we would have predictable policy, and businessmen might be willing to take more risk and grow the economy.  Unsustainable policies cause producers and consumers to pull back.

At best, in economics governments set ground rules to reduce fraud.  Beyond that, governments reduce the flexibility of economies, and reduce growth.  Socialistic governments produce dependency cultures that inhibit work, initiative, and growth.

Do not look to the government for prosperity.  Governments are umpires; Umpires allow for good games, but they aren’t the ones playing the games and creating the excitement.  Governments can never make us prosperous; if government action were what made us well off, the Soviet Union would be dictating terms to the world today.

About David Merkel 145 Articles

Affiliation: Finacorp Securities

David J. Merkel, CFA, FSA — From 2003-2007, I was a leading commentator at the excellent investment website RealMoney.com (http://www.RealMoney.com). Back in 2003, after several years of correspondence, James Cramer invited me to write for the site, and now I write for RealMoney on equity and bond portfolio management, macroeconomics, derivatives, quantitative strategies, insurance issues, corporate governance, etc. My specialty is looking at the interlinkages in the markets in order to understand individual markets better. I still contribute to RealMoney, but I have scaled it back because my work duties have gotten larger, and I began this blog to develop a distinct voice with a wider distribution. After one year of operation, I believe I have achieved that.

In 2008, I became the Chief Economist and Director of Research of Finacorp Securities. Until 2007, I was a senior investment analyst at Hovde Capital, responsible for analysis and valuation of investment opportunities for the FIP funds, particularly of companies in the insurance industry. I also managed the internal profit sharing and charitable endowment monies of the firm.

Prior to joining Hovde in 2003, I managed corporate bonds for Dwight Asset Management. In 1998, I joined the Mount Washington Investment Group as the Mortgage Bond and Asset Liability manager after working with Provident Mutual, AIG and Pacific Standard Life.

I hold bachelor’s and master’s degrees from Johns Hopkins University. In my spare time, I take care of our eight children with my wonderful wife Ruth.

Visit: The Aleph Blog

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