Most of the people who were against the initial bailout bill felt that way because they thought of the bailout as a handout to the rich rather than a way to right the economy. The real goal of the economic bailout plan is to allow the government to buy defunct loans from the banks, owning up to one third of the larger banks for a period of time in the process. The American systems of economics and of medicine are both in great periods of constraint. Regulation has hampered access to medical care and to financial options, such as short-term installment loans. For emergencies, there should still be options open for both medicine and for finances. The Physician’s Foundation recently released survey information where 78% of those surveyed responded that there are already too few family practitioners, and half of those surveyed are frustrated and angry with both government and HMO regulation and are looking to close their practices. As the population grows, the doctor to patient ratio is diminishing, and it will reach a breaking point. In a similar manner, if bank and government regulation find a way to eliminate the only other legal alternative option to short-term emergency financing – short-term installment loans – then the consumers will be stretched to the breaking point. Already many are too far in debt with credit cards, and no one wants to seek out a loan shark. Studies have been showing conclusively that the absence of payday installment loan lenders has only produced negative impact, such as the one by Jonathan Zinman, Assistant Professor of Economics at Dartmouth College. Doctors and consumers should be contacting their representatives and establishing their right to put their decisions over their finances and their health in their own hands, where it belongs.

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