Are you saying free enterprise doesn't work? Don't expect much support from this website. Free enterprise is a foundation pillar of the stock market.
Next time you need to renew your insurance, why don't you test the market by getting a few quotes? You will find free enterprise at work in the insurance industry just as it is in other segments of the economy. Sure there are distortions and a need for efficient regulation, but insurance companies do compete with each other and if you think they don't you are deceiving yourself.
One think climate deniers are experts at methinks.
