Regulation
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Certificate-of-Need Laws Still Fail Patients — Even After a Decade of Reform
Certificate-of-need laws were meant to lower costs. Instead, they’ve let existing providers block competition, reducing patients’ access to care.
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How Many Work-Hours Does a Car Cost? The Model T to Today
The Model T brought mobility within reach of ordinary workers. Despite huge improvements, affordability has eroded as real costs climb.
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Davos Chickens Come Home to Roost
Davos elites’ relevance may not quite be at an end, but it’s hard to imagine it ever regaining the reputation or status it once had.
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Capping Card Interest Rates Won’t Make Credit Cheaper
APR caps may sound consumer-friendly, but price caps just serve to cut off vulnerable households from legitimate lenders.
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My Bank Froze ‘My’ Account — Is Permissioned Access Still Money?
One unverifiable dispute locked me out. If permission to pay with my own money can be blocked, what does owning it mean anymore?
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The High Minimum Wage Blues
If the goal is higher take-home pay, wage subsidies beat wage mandates — without putting mom-and-pops out of business or marginal workers out of a job.
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China’s Rare Earth ‘Monopoly’ — and Why Markets Will Break It
The minerals aren’t rare. China’s marginal advantage is a willingness to accept human and environmental costs other nations eschewed.
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How Money Laundering Became a Catch-All Excuse to Bully and Surveil
Crypto-related prosecutions illustrate how allegations of crime are used to target privacy-enhancing tools and the people who build them.
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Why California Is Bleeding Tech Jobs — Decline Is a Policy Choice
Silicon Valley isn’t dying — it’s decentralizing. Tech firms are expanding in lower-cost states and taking jobs with them.
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Data-Sharing Agreements for Fintech: the Market Solved What DC Couldn’t
After 15 years of regulatory tug-of-war, banks and fintech companies have reached private arrangements for sharing customer data.
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Certificate-of-Need Laws Still Fail Patients — Even After a Decade of Reform
Certificate-of-need laws were meant to lower costs. Instead, they’ve let existing providers block competition, reducing patients’ access to care.
-
•
How Many Work-Hours Does a Car Cost? The Model T to Today
The Model T brought mobility within reach of ordinary workers. Despite huge improvements, affordability has eroded as real costs climb.
-
•
Davos Chickens Come Home to Roost
Davos elites’ relevance may not quite be at an end, but it’s hard to imagine it ever regaining the reputation or status it once had.
-
•
Capping Card Interest Rates Won’t Make Credit Cheaper
APR caps may sound consumer-friendly, but price caps just serve to cut off vulnerable households from legitimate lenders.
-
•
My Bank Froze ‘My’ Account — Is Permissioned Access Still Money?
One unverifiable dispute locked me out. If permission to pay with my own money can be blocked, what does owning it mean anymore?
-
•
The High Minimum Wage Blues
If the goal is higher take-home pay, wage subsidies beat wage mandates — without putting mom-and-pops out of business or marginal workers out of a job.
-
•
China’s Rare Earth ‘Monopoly’ — and Why Markets Will Break It
The minerals aren’t rare. China’s marginal advantage is a willingness to accept human and environmental costs other nations eschewed.
-
•
How Money Laundering Became a Catch-All Excuse to Bully and Surveil
Crypto-related prosecutions illustrate how allegations of crime are used to target privacy-enhancing tools and the people who build them.
-
•
Why California Is Bleeding Tech Jobs — Decline Is a Policy Choice
Silicon Valley isn’t dying — it’s decentralizing. Tech firms are expanding in lower-cost states and taking jobs with them.
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•
Data-Sharing Agreements for Fintech: the Market Solved What DC Couldn’t
After 15 years of regulatory tug-of-war, banks and fintech companies have reached private arrangements for sharing customer data.