Ah, I think we have a perfect example of where yours and mine theologies differ when it comes to politics. I believe government should be there to provide safety nets to protect its citizens should something go wrong (in this case it would be legislation regarding quality of work of the timber sleeper retaining wall by the builder or structural engineer). The safety net is put in place and the individual has a choice as to the way the would like to go with a particular decision. Of course the biggest role of government should be to collect taxes and use them to build infrastructure and protect the weakest members of our society. Where as, based on your story, you seem to believe that government should remove choices from its citizens so that they have less freedom, and that they then are forced into choices that the government thinks are the better options. There is a slight red tinge to you what you are espousing (and I don't mean Digby's jersey).