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Class War For Idiots / September 10, 2009

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This article first appeared in Alternet

Now we know why America’s oligarchs are fighting to keep the rest of us stuck in the world’s worst health care system: the more we die, the more billions Wall Street will earn. A recent article in The New York Times exposed how Wall Street is licking its lips over a new scheme to make hundreds of billions in profits by creating financial instruments that will profit off of millions of terminally-ill Americans’ agony, desperation, and death. The only thing standing in the way of this massive new Wall Street scheme is the kind of health care reform that might allow Americans to live longer lives. Yep, this is what we spent trillions of dollars bailing out Wall Street for: so that they can kill us for profit.

It sounds like something out of an old sci-fi flick like War of the Worlds, with America’s billionaires as the brutal aliens harvesting our humanoid blood and tissue to fertilize their country club golf courses. Yet it makes logical sense: Wall Street has nowhere else to turn for its fat profits. Our banking class has already destroyed everything else in this country that had any value, from America’s industrial base to the American Dream itself, its housing market–whatever Wall Street could securitize, leverage, flip or restructure, they destroyed for good. There’s nothing left to strip and pawn — except for our lives.

Yes, it’s sick as hell, so vile and evil that it almost defies understanding. But I’ll try: see, if I was a gambling man, I’d wager that the thing that gave our banker billionaires the idea to turn our deaths into “death bonds” was the way they so effortlessly looted trillions of taxpayer bailout dollars from us, so quickly, and with so little resistance. That puts bad ideas into bad people’s heads. You and I, if we were the ones who got those trillions in our time of need (rather than having it stolen from us in our time of need), we might have a real sentimental epiphany, like, “Gee, the American taxpayers saved me from ruin! I promise from now on to change my ways and do whatever I can to repay these kind Americans!”

But in our real world, instead of having Scrooge epiphanies, our Wall Street bankers have Goodfelllas epiphanies. As in, “That was the easiest $23 trillion bucks anyone ever stole, fellas! Come on, let’s go back and see what else we can steal! There’s gotta be a lot more where that came from!” In our reality, there are no ghosts of bankruptcies past to make our billionaires behave like good Judeo-Christians. As the biggest billionaire of them all, Warren Buffett, admitted to the New York Times not long ago:

“There’s class warfare, all right, but it’s my class, the rich class, that’s making war, and we’re winning.”

They’re not only not scared of the consequences, they’d be crazy to worry given the recent evidence. By our passivity, we’ve emboldened our vampire-oligarchs to steal more from us, and drain our blood for good measure. So now they’ve come up with the most shameless profit scheme ever imagined: issuing “death bonds” and securities based on these “death bonds” which aim to profit from people suffering from agonizing terminal illnesses.

Here is how the Times explains it:

After the mortgage business imploded last year, Wall Street investment banks began searching for another big idea to make money. They think they may have found one.

The bankers plan to buy “life settlements,” life insurance policies that ill and elderly people sell for cash — $400,000 for a $1 million policy, say, depending on the life expectancy of the insured person. Then they plan to “securitize” these policies, in Wall Street jargon, by packaging hundreds or thousands together into bonds. They will then resell those bonds to investors, like big pension funds, who will receive the payouts when people with the insurance die.

The earlier the policyholder dies, the bigger the return — though if people live longer than expected, investors could get poor returns or even lose money. [Author's emphasis]

So let’s get this straight: Wall Street needs its hundreds of billions in paper profits. That’s a given. But since they’ve already destroyed everything else while plundering that wealth, now Wall Street is going to suck those profits directly out of our veins:

[E]ven if a small fraction of policy holders do sell them, some in the industry predict the market could reach $500 billion. That would help Wall Street offset the loss of revenue from the collapse of the United States residential mortgage securities market, to $169 billion so far this year from a peak of $941 billion in 2005, according to Dealogic, a firm that tracks financial data.

The most common defense of securitization you hear from finance apologists is that securitization lowers the price of borrowing–without securitization, home mortgages would have been much more expensive, they say (ignoring of course how securitizing subprime loans destroyed the entire real estate market for millions upon millions of Americans). But in the case of securitizing life insurance payouts, the effect right away will be higher premiums on new life insurance policies, according to a Wharton professor–meaning securitization won’t even pretend to lower premiums, but rather will put life insurance out of more Americans’ reach before destroying the entire industry.

So, guess who’s planning to profit from our terminal illnesses? Yup, our ol’ friends at Goldman Sachs. The Bailout Barons at Goldman are so excited by all that juicy death that they’ve already invented a kind of death index “enabling investors to bet on whether people will live longer than expected or die sooner than planned.” That is not a made-up quote, folks: that’s straight out of The New York Times business section.

Here’s how the whole thing will work: life insurance is a $26 trillion industry. And of those $26 trillion in life insurance policies, there is always a certain percentage of policy holders who are facing imminent death. Not the kinds of deaths we all hope for — quick, painless, unforeseen–but the more common kind: the slow, painful, devastating deaths by any number of ailments — late-stage diabetes, lung cancer, devastating stroke, liver failure — deaths that bankrupt you and your family as you wage a losing struggle with your health insurance company from your death bed to get your pain medication restored or your hospice care nurse partially covered. You desperately search for a new source of money wherever it can be found — and wouldchaknowit, there’s a budding industry of life insurance vultures who make their living by snatching up a terminally-ill policy holder’s insurance for a discount. The life insurance vultures offer the desperate, dying holder that needed cash up-front, waits for the person to die, then cashes in on the full value of the policy. The quicker the death, the more the vulture earns. This transaction is what’s called a “life settlement.” (Wouldn’t Dracula love it if he could just call it a “life settlement” when he sucks a victim’s blood? “Look, I’m just securitizing your blood, hold still will ya? This is a free country, you know! Don’t tread on my fangs, socialist!”)

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Now if you’re going to have every Wall Street bank hungry for “life settlements” to package and securitize, you’re going to need a lot of brokers to trawl the nursing homes, hospice centers and hospitals for “products” — dying Americans. Much more than we have now (just as the number of mortgage brokers exploded when Wall Street needed mortgages for their securitized products). These brokers try to get to the dying American before his life insurance company does, or someone else — and offers them a better cash settlement for the policy than the insurance company might offer. Everyone sees that dying policy-holder as a source of profit — but only if that person dies as soon as possible after you snatch up the policy. As you can imagine, the kind of person who makes a living trawling around hospice centers for life insurance policy holders isn’t the kind of guy you’d want to babysit your kid for the night — Philip Garrido might be okay with them, but you and I wouldn’t. Even before the Wall Street rush for “life settlements” to package, these brokers have already been accused of the lowest, vilest crimes:

[T]he industry has been plagued by fraud complaints. State insurance regulators, hamstrung by a patchwork of laws and regulations, have criticized life settlement brokers for coercing the ill and elderly to take out policies with the sole purpose of selling them back to the brokers, called “stranger-owned life insurance.”

In 2006, while he was New York attorney general, Eliot Spitzer sued Coventry, one of the largest life settlement companies, accusing it of engaging in bid-rigging with rivals to keep down prices offered to people who wanted to sell their policies. The case is continuing.

“Predators in the life settlement market have the motive, means and, if left unchecked by legislators and regulators and by their own community, the opportunity to take advantage of seniors,” Stephan Leimberg, co-author of a book on life settlements, testified at a Senate Special Committee on Aging last April.

Okay, so one part of the equation is getting the product — dying Americans’ death policies. But the other part is calculating as accurately as possible the risk of the products. Now remember, the quicker the policy-holder dies, the bigger the profit. And this is where the vampire fangs come out. Because the biggest threat to investor profits is having these policy holders living longer than expected. As the article noted, such a thing has happened before:

[T]here is another potential risk for investors: that some people could live far longer than expected.

It is not just a hypothetical risk. That is what happened in the 1980s, when new treatments prolonged the life of AIDS patients. Investors who bought their policies on the expectation that the most victims would die within two years ended up losing money.

One way to deal with the “risk” of Americans not dying is by packing a bunch of dying people’s policies together, because you can get lucky with one disease, but you can’t help everyone live longer.

The solution? A bond made up of life settlements would ideally have policies from people with a range of diseases — leukemia, lung cancer, heart disease, breast cancer, diabetes, Alzheimer’s. That is because if too many people with leukemia are in the securitization portfolio, and a cure is developed, the value of the bond would plummet.

Ah but wait, there is one potential deal-killer out there: if America’s health care system gets fixed, Americans might live longer, and Wall Street’s “death bonds” could mean the death of Wall Street rather than Main Street:

How can a computer accurately predict what would happen if health reform passed, for example, and better care for a large number of Americans meant that people generally started living longer?

If the computer models were wrong, investors could lose a lot of money.

As unlikely as those assumptions may seem, that is effectively what happened with many securitized subprime loans.

Ah yes, we must make sure that that doesn’t happen again!

So how will the billionaires make sure that they can harvest our blood and tissue like the War of the Worlds aliens, and turn it all into country club golf course fertilizer? First, by killing health care reform, which is all but accomplished. And then with their next fight, which they’re already gearing up for: killing the proposed Consumer Financial Protection Agency, which would protect Americans from exactly this sort of horrific predatory scheme.

Already, millions of finance industry dollars have been marshaled by finance industry-backed trade groups (millions that they stole from us taxpayers thanks to the bailout), including the Financial Services Roundtable, the Mortgage Bankers Association, the US Chamber of Commerce and the inconspicuous-sounding American Land Title Association.

This last one, the ALTA, is more important than it sounds in this fight, particularly since it’s headed up by Kurt Pfotenhauer — husband of the even more notorious Nancy Pfotenhauer. Together they’re like the Wonder Goons henchmen couple working on behalf of America’s billionaire vampires. Before heading up ALTA, Kurt Pfotenhauer was the lead lobbyist for the Mortgage Bankers Association — which lobbied successfully to kill mortgage relief for distressed homeowners in order to protect securitization — the same securitization that will be used to profit from Americans’ deaths.

Nancy used to head up Koch-backed Americans for Prosperity until 2007 — yup, that’s the same group leading the town hall “grassroots” mob against health care reform, and which co-sponsored the early Tea Party protests. Nancy left AFP in 2007 to work for McCain’s campaign — she’s the one who famously divided Virginia into “real America” and the rest of us.

Ever since McCain’s campaign imploded, Nancy has been out there hitting the TV circuit attacking health care reform and financial regulatory reform, though I’ve yet to find out who’s paying her to do it. No need to ask who’s paying her husband Kurt, however. This past July, he headed an industry delegation to the White House to demand that Obama back off creating the CFPA agency. When he didn’t get his way, he slithered back into the dark.

This week, a new advertising/AstroTurf campaign to kill the CFPA was launched, including a website Stopthecfpa.com, sponsored by the U.S. Chamber of Commerce–the site prominently links up to ALTA. It’s no surprise that the Chamber of Commerce is behind the move to keep American carotid veins as vulnerable as possible to billionaire fangs.

The head of the Chamber, Thomas Donohue, is the perfect man to play the role of Dracula’s Assistant: his resume includes serving on the board of directors at Qwest during the period when Qwest was accused of one of the worst fraud scandals in corporate history, resulting in billions in overstated revenues, and criminal and civil charges against the CEO (who was sentenced to 6 years in prison) and eight others; the board of directors of Union Pacific Corp, when as head of the compensation committee Donohue approved some of the highest CEO compensation packages in history, including tens of millions to former CEO Richard Davidson, along with his $2.7 million annual pension when he retired in 2006; the board of directors of XM Radio, which is currently almost bankrupt and facing delisting; and the board of directors of a nursing home monolith, Sunrise Senior Living, which is being investigated by the SEC for fraud, and which today faces possible bankruptcy. (Not surprisingly, one of Donohue’s longest-running goals is to protect billionaires from lawsuits.)

This is the man heading a $2 million campaign to kill the Consumer Financial Protection Agency, so that our deaths can be more easily exploited.

It’s as if the billionaires are just playing with us at this point. As if they’re saying, “Hey, dumbfuck Americans! You can have your blood back when you suck it out of my cold dead veins! Oh wait, my veins are already cold ‘n dead. And rich!Ha-ha! Ah, I kill myself sometimes. Now, give me your fuckin’ neck, before I rip out your veins with my bare fangs!”

This article first appeared in AlternetMark Ames is the author of Going Postal: Rage, Murder and Rebellion from Reagan’s Workplaces to Clinton’s Columbine.

Click the cover & buy the book!

47 Comments

Add your own

  • 1. phil_collins  |  September 10th, 2009 at 10:11 am

    I understand why it seems evil and whatever. But nobody is forcing those with life insurance to sell their policies for cash.

  • 2. Palmer Eldritch  |  September 10th, 2009 at 10:30 am

    The health care industry and the American government are, by obstructing the development of a health care system that does something other than provide upper middle class jobs for white people.

    Did you read the article?

  • 3. Expat in BY  |  September 10th, 2009 at 10:59 am

    Suddenly, the Belarusian state-run Soviet-era health care system looks a whole lot more humane. (And that takes some doing…)

  • 4. Realist  |  September 10th, 2009 at 11:08 am

    I also like the practice of “dead peasant insurance” by employers instead of improving safety standards.

  • 5. guns4everybody  |  September 10th, 2009 at 12:16 pm

    Let’s see, if you’ve run out of money to pay for the painkillers for your stomach cancer and I offer to buy your lousy $10k life insurance policy for a couple of jars of expired codeines, it’s not like I’m forcing you to.

  • 6. az  |  September 10th, 2009 at 1:24 pm

    Warren Buffet, not William Buffet.

  • 7. Sarcastic1  |  September 10th, 2009 at 3:38 pm

    Ames – you’re like a curse. You get kicked out of Russia and Russia flourishes. You come into the US, and, with every single fucking day the US looks more and more like 1990′s Russia. And like Yeltsin, if Obama loses the healthcare reform, he’s a fucking nobody. Clearly Mark Ames is the problem. If we execute Mark Ames, and kill other Independent Journalists, we’ll all be ok.

    (Look at my nick before responding)

  • 8. Tyler Bass  |  September 10th, 2009 at 5:43 pm

    Re: Nancy Pfotenhauer, you’re not kidding. Unfortunately, that “real America” bullshit was a too-close, wink-and-a-nod allusion to the fans of everyone’s favorite racist career suicide, former Senator George Allen, who had so memorably welcomed a Webb campaign aide to the countryside (the “real world of Virginia”).

    By the way, as a correction, Gates is now richer than Buffett by “only” $3 billion.

  • 9. Grimgrin  |  September 10th, 2009 at 7:25 pm

    I’m reminded of the end of The Sheep Look Up by John Brunner.

    It’s set in a future America facing an ecological catastophy, run by massive corporations that are identical to criminal syndicates, and run by an idiotic fundy nicknamed “Prexy”. A large part of the novel is spent building up the character Austin Train as a visionary, and a prophet, dangerous to those in power. He’s framed put on trial and in an almost Ayn Randian plot move has his chance to give a speech to the nation.

    In an un Randian speech this is basically the speech he gives:

    “You are all fucked. There may be places on earth that are not fucked. Please please please, leave them the fuck alone”.

    That goes through my head every time I read an article by Mark Ames.

  • 10. AreYouKidding  |  September 10th, 2009 at 8:34 pm

    “I understand why it seems evil and whatever. But nobody is forcing those with life insurance to sell their policies for cash.”

    Says the person who’s never been diagnosed with a terminal disease in America.

  • 11. LOLZORG  |  September 10th, 2009 at 10:30 pm

    Checkhov’s “Dead Souls”, more specifically Chichikov, comes to mind. Except he was fucking with dead people. I’d end with my usual nick, LOLZORG, but this isn’t even funny.

  • 12. phil_collins  |  September 10th, 2009 at 11:37 pm

    “Says the person who’s never been diagnosed with a terminal disease in America.”

    A terminal disease is terminal in any country.

  • 13. gatorade  |  September 11th, 2009 at 3:05 am

    This is the funniest article by ames since whore-r stories!

  • 14. Toni M  |  September 11th, 2009 at 3:11 am

    A little bit more terminal in America than the United Kingdom.

  • 15. wengler  |  September 11th, 2009 at 11:44 am

    If you made a movie and included this shit, it would be considered way too unbelievable and over-the-top.

    Once again the death of Crassus comes to mind, but for these particular parasites I would quite enjoy letting them take out large life insurance policies in captivity before coming down with a harsh and immediate case of lead poisoning.

  • 16. Sally Homes  |  September 12th, 2009 at 11:52 am

    I was hoping I could ask you a rhetorical question about yourself, would that be ok? Its always good to share a great post.

  • 17. staghounds  |  September 12th, 2009 at 4:07 pm

    And, when the people live longer than expected and the childless gen xers don’t buy life insurance, the insurance companies will start to go broke. The people will clamor for “government” intervention, and by selling short, then buying low, once again the taxpayers will have made trillions for Goldman Sachs!

    Genius!

  • 18. Realist  |  September 12th, 2009 at 6:35 pm

    Think about it:

    A huge speculative market in securities whose holders (unless short) have a financial interest in former policyholders croaking rather sooner than later…

    Inmidst a severe economic depression…

    Making any medical advancements and progress of the longlivity of seniors a substantial threat for the stability of the financial system…

    With your health care either in the hand of HMO vultures or government dirigists…

    Substantially invested or dependent on the performance of the “death bond” market and the solvency of health insurance providers…

    And 295 million dumb suckers to pick up the tab in premiums, inflation and “bailout” taxes.

  • 19. Rob  |  September 13th, 2009 at 1:14 am

    Dead Souls was written by Gogol.

  • 20. Alex  |  September 19th, 2009 at 8:41 am

    Look around; What people won’t invent to get out of WORKING.

    The reason College was invented; afterall, who really wants to shovel anything but bullshit all day.

  • 21. canuckistanian  |  September 19th, 2009 at 8:46 am

    Another reason to move to Canada! God save the Queen!

  • 22. yoyo  |  September 21st, 2009 at 7:37 pm

    Fuck yet another reason to live in a laid back secular little country with a cradle to grave health care system. Sorry I mean a godless communist nightmare with compulsary 27th month abortion and gay marriage to puppies.

  • 23. racerfred  |  September 22nd, 2009 at 5:54 pm

    Our government created the health care insurance industry as we know it when about 30 yrs ago they mandated that every large employer in America must offer a managed care option to employees.
    After 50 yrs of watching government involvement in healthcare, I’m positive that there’s no problem so great that concerted government study and action can’t make worse.
    Although we have problems, don’t get sick in a foreign country unless you have Med-Jet and can be flown home for care.
    By the way, “Mark (whiner) Ames”, Russia has the worst health care system in the world excepting those countries without a health care system.

  • 24. Necronomic Justice  |  September 23rd, 2009 at 12:05 pm

    racerfred @23 is retarded on so many levels.

  • 25. racerfred  |  September 24th, 2009 at 5:47 am

    Necronomic Justice is obviously searching for Marxist Utopia. Rots of ruck, you historical ananchronism and thanks for your endearing comment.

  • 26. Necronomic Justice  |  September 24th, 2009 at 1:34 pm

    Did I mention racerfred is retarded?

  • 27. greg  |  September 26th, 2009 at 12:14 pm

    you did,
    but you should articulate it better.
    perhaps he hasn’t stepped off the rock and spoken to the evil socialist countries of say Denmark or the terrible Sweeden where terminal illness does not = profit. what a shame right?

    why invest in medical technologies and SAVING AND LENGTHENING LIVES when you can buy these?
    this is money motivating and rewarding the worst traits humanity has on offer..

  • 28. racerfred  |  September 28th, 2009 at 8:24 am

    Greg,
    Fortunately for the citizens of Denmark, there is a weekly roundtrip flight that ferries heart patients to Houston, TX for open heart surgery. Denmark chooses to purchase this medical technology because it’s cost effective and provides better outcomes.

    I may be retarded because I don’t understand the reasoning and failure of socialists to listen.

  • 29. Jack Reynolds  |  October 3rd, 2009 at 4:47 pm

    I’d like to see who lobbies against Rep. Luis Gutiérrez’s bill to ban dead peasant insurance. Will it be Wall Street’s little bitches?

  • 30. Lindzi  |  October 10th, 2009 at 2:15 am

    Insurance companies hate paying out, they do everything to not pay out, how will they continue to make huge profits if every policy is collected, the cash will have to come from somewhere. This is one of the nastiest business practices I have ever come accross.

  • 31. Dan Bryan  |  October 10th, 2009 at 8:57 am

    New cash products for the needy.
    What could be wrong with that?
    It is like the reverse mortgages right?

    Your piece is written from the left bias.
    This is a shame as you are missing the other side of the equation.

    Mandatory medication under nationalized health care that can be laced to create the early demise.
    Nationalized health care will bring the necessity to ration of health care which will decrease the life expectancy.
    Yearly flu shots will bring on early dementia and Alzheimer’s creating a new problem that can only be solved by euthanasia (increased profit).

    What you are also not considering is that the left/right, progressive/conservative, Soros/Buffet are two sides of the same enterprise.
    are two sides of the NWO coin.

    Fascist, Communist, or some new Tyrannical dictatorship is the order!

  • 32. michael  |  October 11th, 2009 at 9:43 am

    It is difficult for me to understand how little most people actually care about their “fellow Americans”.
    No sympathy for their poverty, illness and for how the rich/government preys on the uninformed.
    “Land of the free, home of the brave” means nothing. Did it ever?
    Continue to deny. It is what seems Americans do best.
    If you think that this “plan” by Wall ST is ok with you, then it is a sad day for all.
    We have all been had on a monumental scale; lied to, manipulated and dying for the pleasure and profit for a few evil “people”. Wake up, slaves!!!

  • 33. Brian Rainwash  |  October 20th, 2009 at 5:07 am

    It was called “The American Dream” because you had to be asleep to beleive it.

    Time to wake up

  • 34. Lawrence Jay Kramer  |  December 1st, 2009 at 10:38 am

    An interesting irony here. The largest life settlements broker is run by the folks who ran one of the largest “dead peasants” brokers.

    A second irony is that neither of these products is nearly as malevolent as Ames like to say they are. The insurance was predominantly a tax play with little or no insurance element. In fact, each employee who died was one lest tree in the tax-avoidance orchard, so, on balance, companies gained on the policies if the employees lived.

    Life settlements “bets” are not much different from what annuity issuers and large pension funds do: if the annuitant lives, the issuer loses. But no one complains about that.

    But it does make little sense for a pension fund to buy a “death bond.” That sort of investment doubles down on the fund’s risk that healthcare improvements will extend lives. Much better for a pension fund to buy stock in life insurers with little annuity exposure, if they can find one.

    I agree that life settlements will raise the cost of life insurance, but I think Ames would go crazy if he knew why. It’s because life insurance companies take into account in their pricing the fact that some policies will lapse or be surrendered when a life settlement would yield more money. Actuarially, that’s the same thing as making a gift to the insurance company. So the reason insurers will have to raise rates if life settlements increase is that they will no longer be able to profit on the stupidity of their customers. Pick your poison, Mr. Ames: death bonds, or lapse-based pricing. A veritable Scylla and Charybdis for the chronically splenetic.

    Eventually, I suspect that insurance companies will remove the middleman and find a way to offer actuarially adjusted cash surrenders to their own clients. And that will be the end of that. (But it won’t happen while lapses and ill-advised surrenders remain a meaningful source of profit.)

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