Yes, our choices in the market balance our risks and desires; this is why societies have traditionally chosen to institutionalise some services, such as defence and health, and not others like the supply of bread.

For example, risk cannot be easily reconciled with healthcare. At my desk, safe from traffic, I would be willing to sacrifice between 5% and 10% of my income for healthcare. About to be run over a bus, I would be willing to part with my entire salary just to stay alive. To balance risk and desire in healthcare, we pool resources.

Imperfect information affects everyone, but exacerbating this, risk is not ‘democratic’, and poorer people are exposed to higher environmental, health and educational risk than more affluent.

This is manifest in Britain as many polls suggest UK voters are do not want tax cuts that lead to reduced services, which in turn has drawn the conservatives back towards the fiscal centre. Despite voters being perpetually dissatisfied with the quality and capacity provided by the National Health Service (a universal system, free at the point of delivery), they are unwilling to see it diminished. They even accepted a tax rise of 1% to pay for it.

This voter-citizen reluctance is also indirectly evident in the difficulty even conservative administrations have in trying to reduce the level of national income taken as tax, despite 20 years of neo-liberal ascendancy.

Politicians who equate dissatisfaction with the quality of public insurance and assurance schemes with a simple lack of choice are ignoring the very drawbacks of the characteristics of the market. Markets thrive on dissatisfaction (we are perpetually dissatisfied with what we have, therefore consume more), yet it is not pilloried as a flawed provider.

Of course people are dissatisfied with public services. They operate in the same scarce world as the private sector, but politicians are afraid to give citizens choice on how well these services are funded, in often a (rhetorical only) race to the ‘tax-bottom’. They assume we demand more choice in how these services are provided. Yet voters have continually supported tax and spend governments.

What does it mean that government expenditure has gone from 25% of GDP in the 1960's when there was more positive feeling about government as provider, to 36% in 2004 when people are increasingly unhappy with the level of services provided by the government. Where is this extra money going or is it that our expectations are increasing faster than the services that are being provided. As Ms Cox says "it is often the relativities between us, and the perceptions we have of these, that influence the way we interpret the world and act within it." We seem to be acting as if we need government to do more and more.

The tone of the article is that government services are being eroded with increasing choice. Perhaps increasing choice gives us the feeling that the government should always do more. If so, it is a good impression for politicians in office to sell. It says "vote for me and I will solve all your problems."

I don’t understand what Eva is talking about. We collect $100 billion in personal income tax and spend $80 billion of it on social welfare. While it is not so difficult for a private individual to pay higher rates of tax, than the 30% company rate (and I’m not talking about marginal rates), there has never been a better time for social welfare recipients.

She must either mean that more of it should be provided in services, rather than cash, or more of it should go to women. Perhaps she regrets the growth of individualism through family break ups orchestrated by her sisterhood cohorts. Is it perhaps due to the disinterest of available menfolk, that’s prompting her feelings of social insecurity? What more could the government possibly do? Spend all of income tax, on social services? Force men back into marriage? Enforce extended family relations?

Seeker,totally agree.The likes of Eva Cox feel a bit threatened since their comfort zones may shrink when hard working people in private enterprise realise that that they have become slaves to a social security system out of control.The figures you quoted are only for the Federal Govt.We have also the duplication of the state and councils on top of this.16% of Australians of working age are now being supported full time by the tax payer.700,000 on DSP , 540 000 on the dole and 300,000 single parents.There are only 10 million in the work force and many are casuals who work part time.Who really makes this country function?
The more taxes they collect,the more the bureauracy grows.NSW has 340,000 public servants.They have admitted to their own union that they have 20% too many.This represents 68,000 employees worth a conservative $3.5 billion p.a.Still Bob Carr doesn't have enough money!Combine this with the other areas of waste and we have a NSW disaster.NSW will lead Aust. into our latest recession.It will take 12mnths for us to realise this.NSW is stuffed.

One of the major problems is that the private sector is so busy working to survive, they don't have time to look above the sweat and protest about their predicament.The small business community is both used and abused.

Eva's question - "is there a social plimsoll line, a point of overload that makes societies sink?" - is a valid one, and I suspect the answer is "yes". Unfortunately, in my view she has mistaken the symptoms for the disease, attributing the confusion she observes to "the free market".

I believe that it is far more likely to prove to be the growth of government bureaucracy. We pay ever increasing amounts in direct and indirect taxation, only to see "government services" transform themselves, one after the other, into commercial enterprises.

This inexorable transfer of risk to which she refers should of course be accompanied by a similar reduction in the tax base, so that we consumers can actually exercise our choice in the marketplace.

The UK, that has a government uncannily similar to our own in many respects, is leading the way - there are now more workers in "health administration" over there, than actually work in the hospital system.

Breaking this vicious circle is mighty difficult. No-one will voluntarily vote themselves out of a job, after all. I suspect that this will prove to be Eva's "plimsoll line" - we will simply run out of money with which to fund all these hangers-on, and the entire edifice will collapse in a massive deflationary spiral.

I was born and raised in the UK – one of the reasons I wanted to migrate to Australia was the continual interference in individual peoples life choices which was manifest from the sort of socialist regulated society which was the "UK" from the 1950s to the time Dearest Maggie took the reins (she started the modern trend – words like – “There is no such thing as Society. There are individual men and women, and there are families”).

This social interference was a direct result of politcies to ensure the working and maintenance of the “Welfare State”.
Quite honestly, if there is a “plimsole line” and “a point of overload that makes societies sink” it will be found drawn far lower than anyone has experienced in Australia in more than 100 years.

So to finish with another Margaret T favourite “We want a society where people are free to make choices, to make mistakes, to be generous and compassionate. This is what we mean by a moral society; not a society where the state is responsible for everything, and no one is responsible for the state.”

The "state" is never "generous" nor "compassionate", it will make only politically motivate "choices" and will eternally deny its "mistakes".

"Individual People" are, virtually, the opposite.

Col Rouge and Pericles,I'm in total agreement.I know a public servant who earns $90,000 p.a.Privately he admits that he does next to nothing for his money and workers under him do even less.He is embarrased by taking the money but also admits he has no skills that private enterprise would want for anywhere near this money.He is locked in ,and who could blame him.Holidays ,sick pay,long service,generious super,and stress leave {workers comp]whenever you want it;and you can't be sacked unless you commit a crime.
If all people in private enterprise realised this,they would all go an strike tomorrow and demand that things be changed.They are too busy however ,just surviving,and paying the taxes for all this BS.
The more efficient private enterprise becomes,the more the bureauracy grows.

Arjay, it is difficult to reconcile the claim you make that "they are too busy however ,just surviving,and paying the taxes for all this BS." Who are these people who are doing it so tough? Not the Australians who spent millions last year on food they didn't eat and things they didn't want.
Just in case you are interested in increasing your knowledge, check out
"Wasteful Consumption in Australia by Clive Hamilton at
http://www.tai.org.au/

Poor maggie eh Col. She seems as confused as you about the relationship between Society and Individuals. First she claim there is no such thing as Society and then apparently tells us what sort of Society she wants.

Oh Mollydukes - neither Maggie nor I are under any delusions or confusions (as was discovered by the Argentinians back in 1980). We see what is before us and respond to it.

Our Individual action is a function of our "vision" -

And NOT

A collective Action being the enforced function of unproven and untestable theories (which leads to greater waste of personal energy, resources and opportunity - you know - "the socialist ideal").

Maybe a couple of more Maggie quotes might enhance your comprehension -

"To me, consensus seems to be the process of abandoning all beliefs, principles, values and policies. So it is something in which no one believes and to which no one objects."

or maybe this one (I like it particularly)

"I owe nothing to Women's Lib."

The great thing about Maggie was she was an individual, not subtle, quite the opposite, particularly awkward and direct. But far better a prime-minister than some mealy mouthed faux-compassionate emotionalist - the sort of person who would glibly pronounce "No Australian Child will live in poverty" - because it makes a good sound-bite.

And when it came to the collapse of Communism - a player who can be regarded as a giant (up their with the recently departed Pope) in seeing to the demise of the "Empire of Evil".

We are all individuals with freewill. Socialist ideals require suppressing the exercise of freewill because the discreditted goal of "enforced equality" is the rotten lie which lies at the heart of the theory.

The author writes about choice and civility (IE. “Are we moving towards being less civil societies, in part at least, because civility requires some as yet uncalculated levels of basic collective security”) but of course “choice” and “civility” can mean different things to different people, and this appears to be the case with the author and her past comments about men and suicide.

" Maybe men's competence in this area (suicide) should make them feel better". (Eva Cox, Good Weekend, August 26, 2000, p. 23).

Such deplorable comments from a self declared feminist, and it is little wonder that many men regard feminists with the greatest suspicion, particularly when they are being paid out of the tax payer’s pocket to write articles on “choice” and “civility”. What were the author’s qualifications to stay in a university after her comments regards men and suicide would be a major issue in itself.

However a welfare state is necessary, and most people will call on government for support at some time in their lives. How much is the relevant question, and the decimation of families (much supported by feminists in the past) does mean that people have to call on government for support more often (see http://www.iwf.org/specialreports/specrpt_detail.asp?ArticleID=464 NB this article was written by a female so it is safe for other females to read)

"NB this article was written by a female so it is safe for other females to read)"

This comment appears regularly in Timkins' posts. It is offensive, sarcastic and unnecessary.

It is an interesting point that Eva has raised. Male suicide is not the fault of feminists it is indicative of a cold "rationalist" market place that places the dollar above human interests. Many men feel as alienated from it as do many women. Woman (generally speaking) have assisted each other emotionally for a long time - men are only just now learning to do this and it is a painful process. Coupled with the frenetic pace of our modern economy in which 'user pays' our society could very well 'sink'.

Humans are social animals - we are at our best working in a cooperative manner. Current market place trends of 'overchoice' divides us and makes us easier for the market place to manipulate. The old 'divided we fall' adage is still very true.

Hello. I may be new here, but I've already noticed that "Timkins" and some other people seem to have a sarcastic attitude to women.

I thought that this article was about the decline of governments' ability to provide services in times of need, not about "feminism" and "male suicide".

I basically agree with Ms Cox.

You're right Garra, some people, like Timkins, but not limited to him, do have hobby horses, but if they can link them in some way to the article on which they are commenting, then they get away with it. I think there is a fairly tenuous link between Eva's comments about men and suicide (presumably she was being sarcastic in the passage Timkins quotes), and this article, but there is a link, so Timkins gets away with it.

Eva should not worry too much. Whilst there is a lot of free market rhetoric in our political debates there is very little free market reality. Taxation is at record highs in relative and absolute terms. The state consumes and "allocates" more and more of our resources collectively. Socialism is still on the rise in Australia and neo-liberalism is just a nice idea in books.

I would argue that this increase in statism is the source of decline in both civil society and community. Government displaces not only self-reliance but the inter-dependance based on personal relationships that forms communities. Anonymous dependance does not do much to bind people to their neighbours or their neighbourhood.

Civil society and community is under threat. However it is under threat due to the persistent growth in statism, not neo-liberalism.