Debit Card Demagoguery

Lately I have been inundated with lots of pro and con advocacy ads about a certain “debit card rule”. To be honest, I am woefully ignorant about the details and I have not done any research on the subject, but I think I have been able to glean the following:

• Back in December, Congress passed some rule limiting the amount that banks were allowed to charge merchants for transactions involving debit cards;
• Currently, Congress is considering delaying, modifying or stopping implementation of this rule out of concern (among other reasons) that these limitations will hurt smaller banks;
• Large retailers are crying foul and have started an advertising campaign talking about how “big banks” are getting another “bailout”;
• On the other side, banks are screaming that the so called “debit card rule” is a “gift” to “big retailers”.

So who is right? To find out, let us first consider a little background and history.

A Murderer and a Blasphemer

I was very tired Sunday evening and went to bed early. I must have needed it because I fell asleep right away, even over the distant sound of the television my wife was watching in the next room. At around 11:00 pm. I was suddenly awakened by my wife’s excited voice:

“Osama bin Laden is dead. The Navy Seals captured him in Pakistan”

“Okay, cool," I muttered. "Will he still be dead in the morning?”

My Turn to Whine

No, I am not whining because I am an about to be furloughed federal employee. If the government shuts down, I will survive. So will the rest of the country. My beef today is about something that is much more petty and parochial, though on second thought, it might be a microcosm of the larger debate that is going on with regard to the size, scope and level of accountability of government. It has to do with a quasi-governmental organization: The Washington Metropolitan Transit Authority, affectionately known as “Metro”.

Why not settle the matter now?

You would think that the Obama Administration would like to settle the constitutionality of it’s sweeping healthcare “reform” act sooner rather than later. After all, it was struck down twice by two federal judges, one in Florida and one in Virginia. Given all the effort that went into ramrodding it through Congress over the people’s wishes, don’t you think they would want to put some effort into assuring those efforts come to full and unfettered fruition by ascertaining that the law passes constitutional muster?

Sometimes They Listen

After 97 posts on “The Maryland Crustacean”, I am finally writing something about the State of Maryland.  Well, sort of.  Last night I sent emails to at least 16 members of the Maryland House of Delegates.  Each individually addressed message was short and sweet:

I am writing to respectfully urge you to vote NO on any bill attempting to legalize marriage for same sex couples. Such a bill would make a mockery of the institution of marriage and would further erode the social and moral fabric of our state and nation.

Why do they hate you?

I generally enjoy listening to Bill O’Reilly, but with regard to his interview last week with President Obama, I find myself in strange agreement with O’Reilly’s detractors.


On balance, it was about as good an interview as you can expect for a live exchange in a limited time frame and in front of an audience with a limited attention span. One of the criticisms was that O’Reilly seemed rude and disrespectful by repeatedly interrupting the President. The following day on The O’Reilly Factor, he defended himself by noting that it was indeed a live interview limited to a short time span, and his interruptions were designed to keep the President on track and not let him “run out the clock”.

Fair enough, but his interruptions did seem repeated, noticeable and somewhat annoying. But the one part of the interview where O’Reilly really fared poorly was in the following exchange:

Life and Liberty

I mentioned in my post the other day that even a libertarian can believe that abortion should be outlawed. Why? Life begins at conception, as any intellectually honest medical scientist will concede. Once we have established the individuality and humanity of the unborn, they are vested with the same right to life, liberty and pursuit of happiness as the rest of us.


I was thinking about the issue in church this morning when I was reminded that today is “Sanctity of Human Life Sunday”. The italics in the last sentence are intentional, because it bothers me that I had to be reminded.

Libertarianism and Legislating Morality

In my last post I mentioned how I am increasingly sympathetic to the libertarian point of view, although I am not quite there yet. One of the reasons I am still a little uncomfortable and unconvinced has to do with moral law. Despite the old and stupid adage that says “You can’t legislate morality” (What else are you going to legislate and why would you otherwise legislate anything?), all law has a basis in morality. Even the basic libertarian concession to the proper role of government,--to allow for the “least intrusive government consistent with the maximum freedom of each individual as long as he doesn't interfere with other individuals pursuing their own freedom”--is itself based in moral law. Does anyone remember the “Golden Rule”: “Do unto others as you would have them do unto you”?

Tilting Toward Libertarianism

As a teenager and as a young adult, I pegged myself on the left side of the political spectrum. I called myself a liberal, which is of course a misnomer. Those who call themselves liberal today typically look to the government as the promoter and guarantor of the general welfare. In their view, the government is somehow to achieve this noble end through regulation, control and even ownership of economic activity; by redistributing wealth; or by incentivizing desired human behavior through regulation or the tax code. I prefer to label this ideology for what it is: statism.

Already and Not Yet

It has been quite a while since my last post. I am not sure whether it has been due to writer’s block, a temporary loss of interest or inspiration, or a spate of laziness or lethargy. I figured I would try to break the inertia at Christmas by doing what I did last year, and post an adaptation of my annual Christmas letter. I try to write one each year with the dual purpose of recounting family news from the previous year and even coming up with something inspirational in keeping with the holiday.


I also suffer from writer’s block occasionally when trying to draft the Christmas letter.  This puts me into a panic when Christmas is less than two weeks away and the muses still have not shown up. Part of my writer’s block this year may have been due to a fear of boring the reader by repetition. It does indeed seem that each year is a mixed bag of good news and bad news, joys and sorrows, births and deaths. 2010 was no exception.