1. Welfare benefits have been set too high, disincentivising work and marriage.
2. Rigorous conditions have not been attached to benefits.
3. Means-tested benefits have become more important than insurance benefits – adding to the disincentives to work, saving and self-reliance.
4. ‘Needs-based’ benefits have encouraged broken parenting.
5. Patients have no power.
6. Parents of schoolchildren have very limited power.
7. Hospitals and schools have no independence, profits or competition.
8. State officials do not spend money as effectively as owners of businesses.
9. The state has responded to short-term crises (such as rising rents) without considering the worse, long-term crises its actions may cause (rent controls leading to a housing shortage and landlords like Rachman).
10. People who are allowed no responsibility become irresponsible.