“How Much Does it Cost Me?” Feb. 25, 2024 Dr. Roger Ray
Like most parents, when it came time to start teaching my daughter about how to manage money, I started to give her a small allowance so that she could save for the things she wanted to buy between major gift giving holidays. Somehow, she seemed inherently to be very good at saving, and by saving, I mean that she never wanted to spend “her” money but still managed to come up with passionate requests for things that cost money to buy.
I must have made a mistake at some point and offered to subsidize a purchase; I don’t remember the incident, but I know that we went through about ten years of her asking me, “But how much would it cost me?” If the necklace she wanted cost $50, she would seriously ask, as if there were an automatic princess discount, “But how much would it cost me?” Somehow, her money was always more precious than my money. My money was fluid and evidently an endless resource. Her money was like a family heirloom to be treasured and never to be parted with. It is possible that she learned this perspective from her mother, but it would be rude for me to speculate about that here.
My daughter’s question, however, continues to be a part of our entire culture. Countries that have universal healthcare may have free medical service at the point of receiving the medical care, but that doesn’t mean that it is free. Someone is paying for it somehow.
In most cases there is no charge to drive on our city streets, or for calling the fire department, the police department, or for sending our children to public schools, and yet all of these things cost a great deal of money.
What is disturbing to many of our peers is the simple fact that the United States is not, on the whole, a capitalist country. Our economy is more socialist than it is capitalist, we just don’t want to allow ourselves to be made aware of it. I have always found it odd that with rare exception, even the most conservative among us, do not object to the fact that public schools provide 13 years of education at no charge to the families that use it, however, when we it is suggested that community colleges and state universities should be made to be tuition free, we begin to hear protests about socialism. We have free public schools because we are a better and more prosperous society if most of our citizens are literate. But most countries in the world realize that they will have an even better and more prosperous society if those are able to take advanced training. As some kind of trade school or college education becomes more and more crucial to economic success in our country, we will become an increasingly economically tiered society if only the children of the affluent can go to college.
Looking at this map, you should take special note of the fact that countries that are wanting to emerge economically, are making the sacrifice to make higher education tuition free. If you get tired of not being able to find a physician, physical therapist, or dentist, who is from the United States, take a look at this map and you can see why. We are importing professionals because it is simply too expensive for most Americans to even consider going to college long enough to earn those degrees.
It may surprise you to learn that there was a time when fire departments were owned by insurance companies. If your home was insured, the insurance company would send the fire department to put out the fire in your house but if your neighbor’s house was on fire and they were not insured, well, get out the marshmallows because that baby was going to burn. But, as it turns out, letting my neighbor’s house burn is not good for my house. We are all better off if the fire department is dispatched to the houses of the poor, even if it adds to the tax burden of the community.
And when it comes to healthcare, you don’t want to be watching TV with me when one of those commercials comes on featuring kids with cancer or with serious birth defects, begging for donations for life saving treatments, prosthetics, surgery, or wheelchairs. Every other developed country in the world realizes that the whole of society needs to provide basic healthcare to those who need it but in the richest country in the world, the richest country in all of human history, will still trot out kids with horrible diseases to beg for change from donors to get the care that they need. We tend to accept this as just being normal but if you travel abroad, it is pretty hard to defend this situation to others.
I was visiting Copenhagen a few years ago, to visit the grave of Soren Kierkegaard, which shouldn’t come as a surprise to any of our regular listeners. I was sitting in a coffee shop, studying a tourist guidebook, and a local struck up a conversation with me. He was a dentist who had immigrated from Iran, and he was so proud of his adopted homeland that he insisted on being allowed to give me a tour of the city himself.
Waving his arm around the world’s largest open air shopping mall, he exclaimed, do you notice that there is no one begging in the streets? No disabled people asking for help? Sure, he said, our income tax rate is about 50% but we don’t have a homelessness problem, we have very few people in jail. Higher education is provided by the state and even with a high tax rate, I live in a nice home with a view of the ocean, I have two cars, lots of time off, and I travel around the world when I vacation.
If you ask him, what does it cost him to live in a compassionate, civilized society, he would tell you, it costs him half of what he earns, but unlike most of our American peers, he is happy to pay it in order to have such a wonderful life.
What does it cost us to not have tuition free higher education, to not have universal healthcare, to not have enough public housing, enough child care, and mental health services? What it costs us is chronically feeling unsafe on our city streets. It costs us in panhandlers at busy intersections. It costs us having home security and enough paranoia to make many of our citizens arm themselves like they are preparing for a zombie apocalypse. It costs us in having the highest rate of incarceration in the world:
This chart shows incarceration by percentage of population. You would think that Canada wouldn’t be that much different from us but we have five times as many people in prison as they do. Ten times as many as Denmark. We have more of our citizens in prison than any other western nation, by far. AND we have nearly 4 million people on parole.
What does it cost us to not pay a living wage to workers, to not provide educational opportunity to the whole of the population? What does it cost us to limit medical and mental health care? It costs what we spend on building bigger prisons, hiring more police, paying higher insurance premiums, and, of course, being afraid to go downtown at night or ride on public transportation.
As it turns out, it costs a lot of money to be greedy and cruel. Look, I know that using words like “greedy” and “cruel” may seem harsh but this is what it comes down to. Still, it is counter intuitive because we end up paying more in taxes to beef up our police forces, and build larger prisons than it would cost us to make healthcare universal and to make it easier to go to college. And we should be aware that our national greed and cruelty ends up costing you your quality of life, your feelings of safety and security, and makes it hard to go insisting that this is a great country. This is a rich country with a lot of poverty and a lot of citizens in prison.
For my entire adult life, I have drawn a salary from a charity, and not just any non-profit but, rather uniquely, a non-profit that ostensibly provides exactly the same services to those who do not donate at all as it does to those who donate very liberally. In fact, in my experience with church, nearly half of those who attended never donated, at least not in a way that we could record. There were those who made an impressive pledge every year who never actually donated any of it, year after year. Oddly, the families in question were rather wealthy and they didn’t mind throwing their weight around in board meetings but, in actual fact, they had no skin in the game.
Hospitals are non-profits but, trust me, they don’t wait for your donations for the services they provide.
But churches are unique in that they need money to survive but they can’t bill their users. Which is why they tend to talk about money so much. I have not brought up the matter of supporting my work for several years. I bring it up now because even though we have several thousand listeners, we have only about three dozen donors, some of whom donate as little as $1 a month. So, do the math, how much of your money will it take to keep me off of the pickleball courts for a few hours per week?
Forgive me for making this so personal but, I’m afraid that it needs to be said. We are now nearly a generation removed from when people paid for subscriptions for newspapers and news magazines. We get most of our content from the internet but who is producing that content and are they reliable, do they have credible credentials? Increasingly, we are a generation that no longer attends any church but I’m trying to hold onto a place on the internet to at least provide a spiritual perspective on current events and public ethics.
Our congregation in Springfield, Missouri was the heart of my work for many years, but the pandemic coupled with my looming retirement made us decide to sell our property and to eventually stop having services in Springfield at all. I packed up this pulpit and microphone and moved to Florida where it has been my plan to continue to work on a part time basis. The church now physically exists in two rooms in my home, one is an office, and the other is this recording studio.
I believe that health care and higher education should be paid for out of the public purse, but I accept that churches, even an online only church, only continues to exist when those who value its work will donate enough to keep it afloat.
I could charge a download fee, but I have resisted that idea because, just like a bricks and mortar church, I want people to have access to our progressive content whether they can or will also donate. In that sense, I am a real capitalist. My listeners get to vote with donations to keep me going. When what I do is not sufficiently important to people to support my work, then I will start kayaking more often and playing more pickleball.
When I sample what other progressive religious exists on line, I still feel like what I am doing is valuable and contributing significantly to the available content. If you agree, I hope that you can get some skin in the game with me and begin to support us at whatever level you can afford.
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I hope that this content matters enough to you for you to become a partner with me in making it available to the world.

