[hellojesus]

I pay something like $150/month for private LTD insurance. All the government policies do is force everyone to participate with lower expected benefits. It would be more efficient for people to privately purchase it, where those who don't assume the risk of noncarry.

[Damogran6]

I'm talking about ramps to public buildings and handicap accessible bathrooms. It's a public good that most people don't realize they're actually going to use at some point.

Everybody drives the same roads ("Why would I pay to maintain Smith Street? I've never driven on it?"), some people REALLY need a firefighter in an emergency.

[hellojesus]

> I'm talking about ramps to public buildings and handicap accessible bathrooms.

To the extent these impact public buildings, I think this is a good thing. Just like I think public employers should not be allowed to discriminate based on age, race, etc.

But in both cases I would argue that private companies should not be held to the same standards.

Firefighters could arguably be a public good in that they are (approximately) nonrivalous and are definitely nonexcludable. In addition, fire fighting as a public good prevents the free rider problem that would likely exist with this service in the private market.