Summary: <br> Janie Lazar is the chair of <a href="https://twitter.com/EndOfLifeIE" data-type="URL" data-id="https://twitter.com/EndOfLifeIE" data-wpel-link="external" target="_blank" rel="external noopener noreferrer">End of Life Ireland</a>.<br> <br> <br> <br> *****<br> <br> <br> <br> <br> <br> <br> Some people have said some things about my level of political insight, thanks to them, even if I don’treally think it’s that impressive most of the time. Actually, whatever level of insight that I do have, Ithink is just down to two habits. One is, when you’re discussing any topic, to clearly define what isthe actual problem that you are trying to solve. The second is, if you think of, or hear of a solution,you consider if it’s implemented, ‘what happens next?’ or ‘then what?’. Basically try to anticipate thesecond-next step, as well as the next one.Debates on politics and social issues often take the form of saying X is a problem, we should do Y tosolve it. What some people maybe miss out on is, if you solve problem X, or if you take action Y, ifthat happens what will happen as a result of that?I suppose the average person isn’t really required to think out their position on the West Lothianquestion or the Congress of Vienna, but there are some topics that are very common in populardiscussion, debated from bar stools and office microwaves up and down country, where peopledon’t seem to do that, which is fair enough, but sometimes it seems that our politicians, ourjournalists, the people who are actually paid to do this, their debate isn’t of a much better quality.I was thinking of this listening to Mark O’Halloran on the Mario Rosenstock Podcast a while back, Imentioned this interview a couple of podcasts ago, it’s worth hearing what he had to say. <br> <br> <br> <br> <br> <br> <br> <br> That’s not the greatest tragedy that comes out of the housing crisis, but only because there aremuch bigger tragedies out there. It does though, I think, bring home to people who don’t have tothink of those difficulties, what it is like if you do; how the other half lives.A little bit later Mario Rosenstock interjects saying that people like Mark should be given more credit– literally and figuratively – by the banks.Now it’s not the job of either Mark O’Halloran or Mario Rosenstock to be experts on macroeconomicpolicy, but what they’re saying links in with a theme that can be seen often in social media, andsometimes in from professional journalists and elected politicians.Basically saying that someone is being denied a mortgage for what seems like an unfair reason, andthat the banks should be forced to give them the loan if they, for example, have shown that they areable to pay in rent an equivalent amount to the repayment, or saying that the government shouldgive or that group a tax break money to allow them to buy a house, or a grant to take account of thefact that they can’t get help from wealthy parents or whatever.These might seem like good ideas for the individual, they could potentially allow an individual to buya house, but they just don’t work at a society level.If you pass a law that says that the bank has to give a mortgage to Mary Murphy of 21 High Street,that might suit her, but you can’t make laws like that, laws apply to everyone, or at least everyone ina particular position. And if you make a law that says that the bank has to give everyone, or eveneveryone in a particular class of person, a mortgage, that doesn’t change the number of housesavailable.All that would do is allow some people who are after a house to outbid some other people who areafter a house. It might change who gets those houses, it might, but it mightn’t, because the originalpeople might be able to outbid them back. The thing that is certain not to change is that there would<br> <br> <br> <br> be an equal number of people who need a house but don’t get it. And the one thing that would becertain to change is that whoever ends up with the house would be paying more for it.
