Ake sithi umuzi wakho uyasha nomndeni wakho uvaleleke ngaphakathi. Lapho abezicishamlilo befika endaweni yesigameko, bakutshela ukuthi ukutakula kuzobiza u-$1 million. Angithi umndeni wakho nendlu yakho ayifanele le mali?
Lesi simo akufanele sizwakale sicasula. Yilokho imboni yemithi eyenza kithi uma isicela ukuthi sikhokhe amanani ayo avikelwe ngelungelo lobunikazi emithini kadokotela. Izidakamizwa esizidingayo ngempilo yethu noma izimpilo zethu cishe zishibhile ngokungaguquki ukuzikhiqiza, njengoba nje izicishamlilo zingase zikwazi ukuhlehlisa kalula uma sezifikile emlilweni. Kodwa izinkampani zezidakamizwa, njengabacimi bomlilo endaweni yesigameko, banegunya lokusebenzisa izinsiza zabo ngesikhathi esibucayi. Ngakho-ke, kungenzeka ukuthi bathole inani labo.
Abavikeli bezinkampani zezidakamizwa bazophikisana ngokuthi kuthatha imali eningi ukwenza izidakamizwa. Nokho, ukuqhubeka nesifaniso sezicishamlilo, kuphinde kuthathe imali eningi ukugcina ithimba labacimi bomlilo liqeqeshiwe futhi lilungele ukuphendula ucingo ngokushesha nje. Kungani sicabanga ukuthi kunengqondo ukwenza isiguli sithwale izindleko zocwaningo lwezidakamizwa ngesikhathi lapho sidinga umuthi, kodwa hhayi ukwenza umnikazi wendlu evuthayo athwale izindleko zokugcina umnyango womlilo?
Ingxenye ephawuleka kakhulu yale ndaba ukuthi asinayo ngisho inkulumo-mpikiswano yomphakathi yokuthi siluxhasa kanjani ngezimali ucwaningo lwezidakamizwa. Njengamanje i-United States isebenzisa cishe amaRandi ayizigidi eziyizinkulungwane ezingu-250 ngonyaka ukuthenga imithi kadokotela. Ukube izidakamizwa bezithengiswa emakethe encintisanayo, ngaphandle kokuphathwa kwelungelo lobunikazi okubekwe uhulumeni, besingonga cishe kumabhiliyoni angama-200 ngonyaka. AmaRandi ayizigidi eziyizinkulungwane ezingama-200 emananini aphezulu ezidakamizwa athenga kancane ngaphansi kwamaRandi ayizigidi eziyizinkulungwane ezingama-25 ngonyaka ocwaningweni lwezemithi, ngokusho kwehhovisi le-Congressional Budget. Ukukhokha u-$8 ezintengo eziphakeme zezidakamizwa ngo-$1 ocwaningweni akubonakali kuyidili elihle kakhulu.
Ngaphezu kwalokho, njengoba izazi zezomnotho ezingasebenzi ezinkampanini zezidakamizwa zizokutshela, ukumaka okukhulu okudalwe yizinkampani ezilawula amalungelo obunikazi kuyisimemo senkohlakalo. Lapho inkampani yezidakamizwa ingathengisa umuthi ngo-$500 obiza u-$4 ukwenza nokusabalalisa, inesisusa esikhulu sokudukisa odokotela nomphakathi mayelana nokuphepha nokusebenza komuthi. Futhi, lapho inkampani yezidakamizwa yenza ucwaningo ngomuthi, futhi ilawula ukusatshalaliswa kwemiphumela yocwaningo, futhi inamandla okwenza lokhu kugqugquzela.
Ngaphansi kohlelo lwamanje, akufanele simangale ukuthola izinkampani zezidakamizwa zifihla ubufakazi bokuthi imithi yazo ingase ingasebenzi noma ibe yingozi. Uma sibheka ukwakheka kwezikhuthazi uhulumeni azidalile, kufanele simangale uma izinkampani zezidakamizwa zingathembekile.
Kunezindlela eziningi ezihlukile zokusebenzisa ilungelo lobunikazi ngokukhokhela ucwaningo lwezidakamizwa. Eqinisweni, uhulumeni wase-US usevele usebenzisa ama-dollar ayizigidi eziyizinkulungwane ezingama-30 ngonyaka ocwaningweni lwe-biomedical ngokusebenzisa iNational Institutes of Health. Cishe wonke umuntu, okuhlanganisa nezinkampani zezidakamizwa, uyavuma ukuthi lolu cwaningo oluxhaswe nguhulumeni lube yigugu kakhulu.
Ingabe bekungaba nengqondo ukuphinda kabili izinga loxhaso lomphakathi ukuze ukhokhe zonke izindleko zokukhiqiza izidakamizwa, bese udedela yonke imithi ithengiswe ngamaRandi angu-4 njengencwadi kadokotela emakethe encintisanayo? Singakwazi ukukhokhela izindleko kuhulumeni ngokonga unyaka ngamunye emithini ethengwa nge-Medicare kanye ne-Medicaid. Ukube izinkampani zezidakamizwa bezingebona osopolitiki bethu, ngabe sinale mpikiswano.
Uma ukushintsha ngokuphelele imali yocwaningo lwemboni kuzwakala njengesinyathelo esikhulu kakhulu, kuthiwani ngesilinganiso esimaphakathi sokukhokhela izivivinyo zomtholampilo? Phela, kulapho ithuba elikhulu lenkohlakalo likhona, lapho imboni iveza kuphela idatha evela ezivivinyweni ekuthola kuwusizo ukuzikhulula. Nalapha futhi, izindleko kuhulumeni zokukhokhela izivivinyo zingase zibe ngaphezu kokumbozwa ngamanani aphansi emithini ethengwe ngezinhlelo zezempilo zikahulumeni.
Kufanele sibe nenkulumompikiswano kazwelonke ebucayi mayelana nokusebenza kahle okuhlobene kwesistimu yamanje yelungelo lobunikazi nezinye izindlela ezahlukahlukene zokuxhasa ucwaningo lwezidakamizwa. Ngeshwa, izinkampani zezidakamizwa zinamandla kangangokuthi bambalwa osopolitiki abazimisele ngisho nokucabangela ezinye izindlela. Eqinisweni, izinkampani zezidakamizwa zinamandla kangangokuthi izitolo ezimbalwa zezindaba zingashicilela ikholomu ephakamisa ezinye izindlela. Eqinisweni, izinkampani zezidakamizwa zinamandla kangangokuthi bambalwa osomnotho abangake bacabangele ukucwaninga ezinye izindlela.
Ngakho-ke, ngekusasa elibonakalayo, sizolindela ukuthi abanikazi bendlu eshayo bakhiphe imali enkulu kubacimi bomlilo abeza ukuzosindisa. Futhi sizokwenza sengathi ayikho indlela engcono yokwenza izinto.
U-Dean Baker ungumqondisi ohlanganyele weSikhungo Socwaningo Lwezomnotho Nenqubomgomo (CEPR). Ungumbhali wencwadi ethi "The Conservative Nanny State: Abacebile basebenzisa kanjani uhulumeni ukuze bahlale becebile futhi bacebe" (www.conservativenannystate.org). Uphinde abe nengosi ethi, โBeat the Press,โ lapho ekhuluma khona ngokusakazwa kwabezindaba ngezindaba zomnotho. Ungayithola kuwebhusayithi ye-American Prospect.
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Nikela