[mech9879876]

You swept the issue of fraudulent social security disability claims under the rug. It seems apparent to me that your attitude toward individual level accountability is one that denies agency of the individual and ascribes their moral failures as a result of societal-level problems. After all, there is no moral hazard when individuals have no moral agency to begin with.

[camgunz]

I posted about it in a different little branch: https://news.ycombinator.com/item?id=43903848

TL;DR: the average disability recipient age has hovered ~50 (stddev 1.54 years) since 1960. The theory of "baby boomers are a huge generation, they got old and US health care sucks ass" is far more parsimonious than your theory of individual accountability, which has to explain why every generation suddenly becomes fraudulent/immoral/unaccountable at the exact same point in their lives.

[mech9879876]

Aggregating statistics regarding age has very little explanatory value in regards to fraud and is a non sequitir. I would not be surprised if the average age of a convicted insurance fraudster has remained relatively constant over time either.

The example in linked materials of 1 in 4 adults in Hale County receiving disability payments is a clear example of a situation where individuals and healthcare providers have both contributed to widescale fraud. This is an obvious case where moral hazard is present and you continue to deny it.