Has the idea of shorter term unemployment benefits or a form of checks and balances been tested and failed or is it just easier to roll out billions in tax money benefits with no strings attached pushing our country so far into the red that even developing countries are afraid to buy our debt? Our policies are just way to easy to take advantage of and the US is no longer a place of common integrity and morals to allow for such free form policies to work. Of course in a perfect world, the US citizens would find their moral compass again, stick with commitments of loans, not only think of '#1', quit thinking the government owes them money and stop looking for a way to cheat the system, but I honestly don't see that happening any time soon, if ever. Not only is the backbone of Christian fibers thinner than ever in the families of modern day Americans, but also the influence of foreign customs and outlook that have become the majority in the large population cities near the coasts makes policies using the 'honor system' a joke.
People move to the US from countries in the Middle East like Iran where the government has so exploited the citizens that the people are constantly looking for a way to get the government back by working the system. This outlook on society makes the current economic policies in the US viewed as naïve and ignorant. They actually laugh at the very idea of not taking advantage of being able to walk away from a house loan if the house didn't go up in value. Especially if the insane government is going to give you a tax credit of $5,000 for selling your house short! Not taking a last minute $200,000 home equity loan right before selling the house short also would have just been a lack of good business skills instead of considered stealing and bad character. If it's allowed, it must be OK, right? After all, we can't decide what is right and wrong on our own. Why would anyone want to be like the sucker American that would actually go out and get a job after losing another job when Uncle Sam will pay you to do nothing over the next 6-12 months if you just go to interviews which you can have a temp agency set up so you don't even have to pick up the phone.
It's not just 1st and 2nd generation Americans working the system, and I don't mean to make it seem that way. The US just doesn't have the same character and true family leadership as we did in the 40's and 50's. The same rules don't apply. Shouldn't our government's economic policies respond to the manner in which they will be received? I think it's time for an upgrade in policy due to a downgrade in character.
I'm not going to just point out issues without at least giving a few suggestions for resolve:
1) If your employee is doing well, you reward them with a bonus. If your friend is down on his luck, you lend him money. We have this backwards for some reason. If you pay your taxes, loans and bills then you are the small percentage of citizens paying all the money to make the rest of the country survive. If you lose your job or walk out on an loan commitment, the US gives you free money. I think unemployment benefits should be in the form of a loan where the interest rate goes up each month and only pays out 3 months. Once you get a job, the loan payments are automatically taken out of your paycheck at a reasonable pace. If you don't get a job in the 3 months, the amount borrowed is taken from your paychecks in the same manner when you finally do get a job, but the benefits/assistance stops at 3 months. This encourages you to get a job quickly and actually makes money for the government while helping people get back on their feet.
2) If you sell your house short, your credit should drop at least 150 points, not the current 30.
3) Credit flaws should stay on your credit report 12 years instead of the current 7.
4) If Obama wants to give away free tax money - have reward programs that pay a bonus to people that pay their taxes on time a certain amount of years in a row, or for people who pay back their unemployment loans in full. This will encourage people to get on track and stay on track.
I'm a firm believer that if we continue to give benefits for doing nothing, more people will do nothing. Look at ancient Rome.
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