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September 18, 2011

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I take exception with items (2) & (4). Accepting
your assertion(s) at face value, it looks as if you're not very familiar with the charters or programs of various Federal agencies.

The SBA doesn't actually make loans. It provides guarantees on portions of loans made by banks to small businesses with good credit, a reasonable amount of equity/liquid, and solid financials. In theory and practice, the SBA embodies a liberal principle for their programs function to counter the reluctance (or, failure) of the private market to lend money and they're open to all. Furthermore, the loans in themselves in no way ensure a small firm's success. It's for these and other reasons why the SBA isn't an example of gov't, "... picking winners".

Similarly, there are times when subsidies to a given industry, or individual businesses are both appropriate and warranted, e.g.; in the event of an extraordinary market failure. Where you and I might find agreement is there shouldn't be permanent individual subsidies.

I don't think privatizing the protection of intellectual property is remotely possible or would be the least bit practical. Protecting intellectual property via patents, trademarks, etc., is (again) central to civil liberties in theory and practice -- a liberal principle.

OK, the government should back the small business loans, either.

What do you suggest as alternatives for addressing the market's failure to lend to creditworthy entrepreneurs?

What do you suggest as alternatives for addressing the market's failure to lend to creditworthy entrepreneurs?

People and small groups who are willing to do micro-loans and family. Otherwise, they need to go into personal debt to get things going.

"People and small groups who are willing to do micro-loans and family."

Ummmm... that type of activity isn't taking place on a scale large enough to have an impact, which partially accounts for the market's failure.

SMH.

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