Humans ruin everything. Today at work, I chatted with a not-uneducated coworker about some of the major theories of society. She could not believe some prominent media figure suggest capitalism does not work.

She is a conservative, and that is fine. Though I do not agree with most of her views, one can generally find a base principle or other similar characteristic in opposing viewpoints. Though she may not have agreed (she may have), she at least remained civil when I suggested the capitalism is just one idea that does not work because the human race is involved.

Capitalism is a good idea. Let the people run the show, and the free market will regulate itself. If a company sells worthless goods, people will shop elsewhere. If a store has overpriced items, consumers will go to another store. These concepts and others will lead to reliable and cheap products. These ideas work in a fair society.

Unfortunately, humans are anything but fair. Let’s say a company does sell worthless goods. Maybe they are toxic. Maybe they fall apart. What if, due to volume of sales and cheap manufacturing, this company has more money than the competition to promote its products. What if it has the power to run smaller businesses out of town?

The argument may be that it’s not possible for a company like this to thrive. It would not be if things were fair, but again, they are not. Take a woman shopping for clothes. The nice clothes, made by workers who are paid and treated properly, and whose fabrics and threads are of high quality, naturally cost a lot of money. This woman, unfortunately, works for a company that does not pay her well, even though she works very hard. On top of that, she has been sick lately and has to pay high medical bills (that capitalism did not do a very good job of regulating). Though she is a worker, and though she wants the nicer clothes, her situation is not dictated by what she wants but rather what she can afford. Through really no choice of her own, she perpetuates the cycle of abused employees and cheap products. Take this woman times hundreds of millions of people on the planet and capitalism clearly begins to benefit a certain group.

That is just one example of how a less-than-ideal business can thrive in a free market. The market is not based on what is best for consumers, but what is best for business. Therein lies the flaw. Businesses, run by humans, can corrupt the system by controlling the variables that dictate behavior. If the above woman’s employer paid her what she truly earned, she could afford more expensive clothes, and the store exploiting cheap labor and products would have to up its ante to compete. Instead, the cheap store usually wins out with sheer volume merely because it can run the other shops out of business.

True capitalism assumes there are standards by which businesses work. Perhaps in the beginning, this was the case. In 2009, that is no longer the case. Mass media makes possible countless ways of advertising. Again, the company with the most money, which is often not the best company for the people, has the most ability to promote itself.

Fortunately, our system is not true capitalism. We have regulation. Though we have become a fine print society, at least companies are forced to tell the truth in some twisted form. Unfortunately, we do not have enough regulation. This is why companies can continue to exploit workers and consumers.

That is the other part of capitalism: the consumer. Why feel sorry for the consumer? It is up to him/her to control the market. The people working for companies that do not pay well must deserve the substandard pay. To the contrary, those earning high salaries, through school, hard work, or other ways, earn their pay. It is the common psychological principle that good traits are credited internally (I work hard, therefore I make a lot of money), and bad traits are external (He does not make a lot of money, therefore he must not work hard).

When this mindset is added to the other capitalistic equations, you end up with a society that does not care for one another. Instead of improving the plights of others, maybe with higher pay, more nutritious foods, etc., the lesser groups are viewed as inferior. The become tools to further individual growth. This explains how so few in a society can grow so wealthy while the masses get progressively poorer.

When all is said and done, a capitalistic society is supposed to create wealth for some. If fairness were incorporated completely, we would not see the levels of wealth and poverty we see today. The salaries of company owners would be limited because of fair pay to employees who run the company. But, somehow, we do not see that capitalism is not a fair idea, and we have allowed many dishonest companies and people to take advantage of others, resulting in the growing disparity between the rich and the poor.

Humans ruin capitalism for two reasons: greed and ignorance. One group uses whatever tools it can to gain more. The other group does not realize the power of itself and begins to listen to the viewpoints that ultimately benefit the class in power. How else could a worker with two jobs vote for candidates that vote against a wage increase?

What is the answer? Time has all but proven that western ideas do not work. Communism is another great idea. Individuals work for a collective good. Like other systems, this always results in a certain power structure. Power corrupts, and soon you have a class of people taking advantage of another class.

Religion is but another good idea gone wrong at the hands of humans. Instead of being used to increase the quality of life, certain humans use it as justification to hurt others. Religion, money, and nationality are the three main causes of war in history.

It seems there is no answer, but there is: regulation. Call it socialism, call it whatever you want. With an independent body to govern greed and force honesty, a society can create a natural series of checks and balances. If the body is failing, it can be replaced through election. Sound familiar? Vaguely, but it is not the American system, which is controlled not by everyday people, but by special interest.

Again, call it socialism, but there is another name for a truly independent government that looks out for all and not just a few: fair.

Government: “You charge WAY too much and you treat your customers like dirt!”

Health Insurance: “Okay, let’s compromise.  I’ll treat them a little less like dirt if they agree to pay me more money.”

Government: “Awesome!  Helloooo reelection!”

It occurred to me while watching Meet the Press online that I was insane for watching Meet the Press online.   Then it occurred to me that the above dialogue basically explains what, if anything, we’re going to get out of this mess.  If you want a long (but really good and readable) explanation, you should read this article by Rolling Stone’s Matt Taibbi.

The President has all but said (and will say Wednesday night, I predict) that there will be no real public insurance plan, the much bally-hooed public option.  If there is a public option, the blue dog democrats have assured us that it will pay out at rates similar to private insurance (instead of lower medicare plus five rates) so that the playing field is level with insurance.  That also means the public plan would be pointless.  It’s like saying, to level the playing field, homeless shelters have to charge the same as hotels.  Whenever anyone mentions blue dog democrats, imagine a blue dog humping the leg of a health insurance CEO.

But never fear!  There is more to health insurance reform than the public option, right?  That’s the line the White House has been pushing for weeks.  They love mentioning how the bill will keep you from getting turned down for preexisting conditions, and insurance companies won’t be able to kick you off the rolls if you get sick, and they’ll cap out of pocket expenses, and they won’t be able to arbitrarily raise premiums multiple times in one year, and you might even be able to keep your insurance if you “switch jobs.”  In other words, the health insurance companies are going to have to treat people like human beings instead of bloody sacks of cash to be drained up and thrown out.

How is this real change?  Gee, you make the industry that has caused this health care crisis stop a few of it’s more egregious, blood-sucking practices.  Hooray!  A major victory!

But there’s more!  There’s also an individual mandate looming overhead, meaning everyone MUST by health insurance or face a tax penalty.  Health insurance, welcome to 47 million new customers, courtesy of uncle sam!  Forty-seven million Americans, welcome to fly-by-night health insurance, much like the craptastic state minimum car insurance advertised late at night on the CW (not that I watch it).  The only difference between that kind of insurance and no insurance is that you pay to be uninsured.

THIS is reform?  Creating a windfall for the industry that screwed things up?  Exponentially increasing the overhead and the paperwork logjam that is strangling health care?

But here’s the best part.  No denials for pre-existing conditions?  No kicking people off when they get sick?  Keeping insurance if you lose your job?  These all KEEP people on the insurance rolls.  Wow, tough reforms.  Really sticking it to the people that stuck it to us.  Insurance companies will get to pass these costs on to the public via the mandate, or subsidies from tax money that will support the mandate.  No wonder PhRMA, the drug lobby, is spending 140 million to SUPPORT reform.  They took a lesson from Wall Street about socializing losses and privatizing gains.

It’s a win, win, win all around for insurance, and lose lose for Americans.  We’ll pay more and get less.  And the added bonus?  This plan can properly be called “Universal Health Care,” forever sullying the name of the only system that makes sense, and the system every other industrialized country in the world has, and the system that veterans, the elderly, and the very poor have right now, single payer.