Opponents of laws restricting personal freedom in the name of safety (eg. helmet, seatbelt, and smoking laws) generally point to the pussification of American society as the driving force behind their relatively recent proliferation.
It has occurred to me that there is a more likely cause. I believe we are seeing the insurance industry flexing its political muscle to establish grounds for exclusionary clauses and to directly eliminate sources of expensive payouts and using (one way or another) the recipients of those payouts to put a more acceptable face on the bills they push through the federal and state legislatures.
Not to say the pussification of America isn't a problem, I just think the political clout of the constituent group is being overestimated.
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