"John Goodman is a national treasure whose should be national policy. It is pragmatic, knowledgeable, and accessible. Read it and help to accomplish John’s wise advice.” , Nancy R. McPherson Professor of Business Administration, Harvard Business School   The COVID-19 pandemic. The Great Recession. The dot-com bust. The early ’90s recession. Every decade or so a disaster hits the United States and reminds us that many American families live one calamity away from financial ruin. ? And what if that way did not further bloat large government bureaucracies and inflate even more their obscene budgets?   Fortunately, author, economist, policy entrepreneur, and Independent Institute Senior Fellow has forged just such a path.   In Goodman offers a bold strategy for giving Americans more control over their destiny, while still promoting—at far less expense—the important social goals that gave rise to government safety-net programs in the first place.   Here are just a few of the life-risks to which —the “Father of Health Savings Accounts,” according to the — In Goodman invites us to envision smartly crafted social protections that better serve the nation’s families—and eliminate the risk that America’s safety-net expenditures will drive the U.S. economy over a fiscal cliff. “In , John Goodman is consistently ahead of his time with market solutions which align incentives that respect the agency of individuals while ensuring there is a social safety net. , M.D., U. S. Senator