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Richard (RJ) Eskow

Richard (RJ) Eskow

Posted: March 4, 2011 04:26 PM

The United States Isn't a Company and It Isn't a Family -- It's a Country.


Let's begin with a multiple choice test. The United States of America is:

a) a for-profit corporation;
b) a family, like the typical American family in a 1960's sitcom;
c) a nation -- with a national economy and nation-sized problems.

If you answered "c," there's good news and bad news. The good news is that you answered the question correctly. The bad news is that you probably have no future as a pundit, where recycling bad metaphors is an essential job skill. (On second thought, that's probably good news too. You undoubtedly have better things to do with your time.)

Two metaphors keep reappearing in our national debate like comets on a too-tight orbit. One says that the government's finances are like a family budget, and the other says that the country needs to be run more "like a corporation." Both are routinely used as "nonpartisan" illustrations of the need to cut spending.

If I had a nickel for every time I've heard these misleading analogies, I'd have enough money to buy Alan Simpson a cow.

Dysfunctional Family Values

Conservative economist John Cogan puts it this way: " ... (I)magine that a mother sends her family to the store, tells her husband to buy beer, her teenage daughter to buy magazines, and her ten-year old son to buy candy. Imagine, moreover, that she sets no limits on how much each can spend. Each family member would then overspend ..."

Leaving aside our hypothetical family's more immediate needs (starting with a stint in rehab for Dad), the analogy doesn't work. Government spending doesn't take place in a "store." It takes place within a national economy, which is like a machine with many moving parts. Part of the government's job is to spend in a smart way that keeps the machine moving and functioning smoothly.

A comment from the Atlantic's Megan McArdle should be read in that context, too. McArdle writes: "We need politicians who think about these things the way a financially sound family thinks about their budget." Actually, we don't. We need politicians who think about a budget the way a financially sound nation thinks about a budget. If the government cuts spending in one area it affects the entire economy, and could wind up costing more than it saves.

If we spent $400 or $500 billion in the next two years on rebuilding our infrastructure, it wouldn't be "lost" money the way that the cost of a new 70-inch television would be "lost" to an American household. This money would be used to hire people and purchase raw materials. The people who were hired would no longer need financial assistance like unemployment, food stamps, or poverty assistance. And they would use their income to buy things, which would increase employment even more by creating jobs for people who provide the things they would buy... including televisions.

All of these newly-employed people would pay taxes, creating more government revenue. And as the economy grew it would develop its own momentum, eventually reaching a point where the extra spending wasn't needed and further cuts could be considered. The "family" analogy doesn't work at all.

Unfortunately, Democrats are sometimes all too eager to embrace their opponents' bad metaphors. From the president's State of the Union address: "Just like any family, we have to live within our means to make room for things we absolutely need." From White House Budget Director Jacob Lew: "(T)ackling our challenges in the long term ... starts with doing what families and businesses have been doing during this downturn: tightening our belts."

What a lousy analogy. This country doesn't have a deficit problem because Mom let it loose in some store and now Dad's getting drunk while Junior gorges himself on eskimo pies. It has a deficit problem because bankers broke the economy and we're living in the wreckage. It has a deficit problem because we've been giving the rich a free ride through tax cuts of unprecedented generosity. A couple of wars are playing their part, too.

People use the "family budget" analogy because we're supposed to respect the image of a thrifty, self-disciplined homestead. But consider this household: One son's a hedge fund manager who's taken most of the family income for himself and isn't even paying rent on his room. The other kids are struggling to pay the bills because the rich one's not pulling his weight. Hedge Fund Boy's living like a king, but money's so tight for everyone else that Mom and Dad have decided to feed Grandma less and turn her heater off for the winter. And Grandma built the house!

But when anybody suggests they're not treating Grandma right, they sneer and say "What do you want us to do? Buy her some food and put it on a credit card?"

The Business of America Is America

The latest entrant in the America-As-Corporation sweepstakes in Mary Meeker, an investment analyst and managing director with Silicon Valley investment group Kleiner Perkins Caufield & Byers. Meeker has weighed in with a 466-page PowerPoint presentation called "USA Inc.." "USA Inc." stumbles from the start because the metaphor, while already a cliché, is so off-base. Corporations have investors, unelected executives, and customers. Their responsibility is to turn a profit, and their activities must be directed toward that goal. The government is an expression of the national consensus, a work of community and ideals.

What's more, the American corporate model has just failed spectacularly... twice. The first failure was the Wall Street collapse, which forced America's biggest banks (including Ms. Meeker's former employer, Morgan Stanley) to be rescued by the taxpayer. The second was the BP oil spill, which proved that corporate risk management can't be trusted to protect the public. With this track record, is the American corporation really a model worth emulating?

From a business perspective, any consultant who shows up with 466 pages or slides has already failed. The consultant's job is to synthesize, analyze, and explain. A well-structured analysis of any scope can be presented with much less verbiage and raw data. There's far too much in these 466 pages to address it all, but here are a few samplers:

"USA Inc's financials are discouraging," says Meeker. Really? As L. Randall Wray points out, the US government has been in debt every single year since 1776. That's one of the ways a government operates. The question is, how much debt is appropriate?

Meeker combines health expenditures with Social Security under the "entitlement spending" heading, mimicking a right-wing messaging tactic that uses legitimate concerns about Medicare and Medicaid as a cover for cutting retirement benefits. And this question shows how deeply out of her depth she is when it comes to economics and social programs: "What level of entitlement spending can we afford without suppressing job creation?"

While right-wingers love to argue that government spending suppresses job creation, it's hard to make that argument when government spending is used to hire people (an option not raised in Meeker's report). As for so-called "entitlement" spending, studies show that this money is recirculated into the economy. That should lead to jobs and growth (as opposed to tax cuts for the wealthy or other benefits, which lead to savings or offshore investment and fail to produce employment).

Meeker's even more off-base on taxes. Her "corporation" has cut the "price" for the customers who have consumed more of its "product" -- national wealth - yet here's a typical tax-related question: "How crucial is the role played by lower relative tax rates -- especially for corporations -- in stimulating job and GDP growth ...?" "USA Inc." serves American corporations like a wholesale supplier, providing them with an educated workforce, a national defense, clean water to drink, and countless other services. USA Inc. needs revenue. Yet Meeker's only question seems to be, should we charge these big customers even less?

As Felix Salmon points out, Meeker ducks a lot of issues. And she asks a lot of questions like this one: "Imagine you're a shareholder in USA Inc. How would you feel about your investment?"

Oy.

This embarrassing performance reflects poorly on those involved, including her advisors -- a group that includes John Cogan (he of the drunk dad with a fat son metaphor), Meg Whitman, and Peter Orzsag (Jacob Lew's predecessor at the White House.) Meeker made her name by pumping up the Internet bubble in the 1990's, and she came under heavy criticism for it. Now we're in a Bad Metaphor For Government Spending Bubble, and it looks like she'll be riding that one too.

Here's the bipartisan agreement I'd like to see: A moratorium on lazy analogies for the national budget. If we can't set aside our partisan differences long enough to agree on that, how will we ever agree on anything else?

Richard (RJ) Eskow, a consultant and writer (and former insurance/finance executive), is a Senior Fellow with the Campaign for America's Future. This post was produced as part of the Curbing Wall Street project and the Strengthen Social Security campaign. Richard also blogs at A Night Light.

He can be reached at "rjeskow@ourfuture.org."

 

Follow Richard (RJ) Eskow on Twitter: www.twitter.com/rjeskow

 
 
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HUFFPOST PUNDIT
carbolaw
01:14 PM on 03/07/2011
We also fail in understanding the goals of a family or a corporation differ from the goals of a nation.  Those who espouse these ridiculous analogies so often fail to answer the very simple question of what are we looking to accomplish as a country and are their ideas pushing us closer or further away from those goals.  Most would say that as a society we would want people to be healthy, we would want low (or ideally zero) crime rates, we want the people of the society to be happy (boy is human happiness a much maligned and overlooked goal - after all what is our purpose in life), we would probably say we want a well educated populace, we want safe roads, neighborhoods, etc., we want to eliminate poverty, homelessness, foreclosures and bankruptcy.  The reality is that nearly every proposal coming from the groups that use the "responsible" family or the corporate analogy as examples of how we need to operate as a country drive us further and further away from these goals. Instead, the "solutions" that come out of these analogies lead to greater and greater levels of inequality, higher poverty levels, more homelessness, greater numbers of personal bankruptcies, a stagnating economy, more environmental destruction, worse infrastructure, degradation of roads, bridges, schools, public water treatment plants, etc.. more deaths due to lack of access to medical care, more retirement instability, higher levels of unemployment and poorer and poorer education outcomes (related to this one of the things that is often overlooked is that when we account for impoverished schools and eliminate these schools from the studies of international educational outcomes, the US ends up ranking second globally - so the education solution really is not all that complex - end poverty and reduce inequality).    There is a dire need to return to a rational public policy analysis that starts with a clear understanding of what we are looking to achieve as a society and then analyzing proposals on the basis of whether they help us to achieve those goals.
HUFFPOST SUPER USER
marthamothra
11:46 AM on 03/07/2011
Excellent evaluation no the state of our Union. Thank you, Richard -- now, if you can get on major t.v., and say this to the entire nation, maybe we'd stop hearing a repeat of these lies.
10:12 AM on 03/07/2011
Thank you for writing a great article about something something that I've been saying for months now.
10:39 PM on 03/06/2011
Geez, Richard! Where ya BEEN...? This country is now a cozy little country club for the ultra-rich. The sooner we all realize it and give these peope what they want...
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thereisonlyoneparty
more amazing than you
10:25 PM on 03/06/2011
If we spent $400 or $500 billion in the next two years on rebuilding our infrastructure, it wouldn't be "lost" money the way that the cost of a new 70-inch television would be "lost" to an American household. This money would be used to hire people and purchase raw materials. The people who were hired would no longer need financial assistance like unemployment, food stamps, or poverty assistance. And they would use their income to buy things, which would increase employment even more by creating jobs for people who provide the things they would buy... including televisions.

Because the money that the government (all levels) spends on public works projects goes directly to the people who unskilled and unemployed.  Because that is who is hired to complete the projects, right?

This argument makes absolutely no sense.   The government cannot spend money in an effort to get tax revenue.  That is literally wasting money.  The net revenue would be far less than the initial investment.

Construction projects dealing with infrastructure are not done to create jobs.  that is not an efficient way to go about it.  They are done to create or repair necessary public properties used by people.
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HUFFPOST SUPER USER
dfranz
With Liberty and Justice for all
10:46 PM on 03/06/2011
What is an efficient way to build infrastructure? Leave it up to capitalism? If business had their way there would be raw sewage in the streets and pay tolls just to get out of your neighborhood. Remember that fellow who's house burned down because he hadn't paid his $75,00 fee? The fire dept just sat there and watched it burn.
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thereisonlyoneparty
more amazing than you
12:49 AM on 03/07/2011
Not at all. And it was not his fire department. The fire department was funded by another community. It would be like me expecting services from whatever savage country you live in even though I am not a part of it.
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HUFFPOST SUPER USER
dfranz
With Liberty and Justice for all
09:40 AM on 03/07/2011
In most civilized communities, the fire dept is a part of that community and funded by taxes everyone pays. Fire Depts and the police are there to serve and protect, except in yours apparently..
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HUFFPOST SUPER USER
Rightlygay
Already EQUAL
11:19 PM on 03/06/2011
We did that with $828 million two years ago.....and depending on the number of jobs saved/created.....Each job cost between $250K - 450K....not good....
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HUFFPOST SUPER USER
LeftRight
TANSTAAFL
08:43 AM on 03/07/2011
First, that's not valid because MOST of that money was tax cuts. And much of THOSE went to those making so much money that they ALREADY weren't spending all they took in, meaning that it went STRAIGHT into an "investment" account.

Second, and more importantly, the jobs that supposedly cost between $250k-$450k were nothing of the sort and you know it.
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HUFFPOST SUPER USER
SequimBob2
05:06 PM on 03/06/2011
Sorry, while I agree that a country is not a household, the notion that America, or any country, can ignore the laws of fiscal gravity is not credible. Just as arguing over $100 billion in spending cuts, when the deficit is $1.5 to $1.7 trillion dollars is not credible.

As we continue to run up massive spending debt, one day this debt will come crashing down upon us. Call it physics... call it economics... call it anything you want, but don't write it off as a non-problem.
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HUFFPOST SUPER USER
LeftRight
TANSTAAFL
06:43 PM on 03/06/2011
Yes, the debt is a bad thing, and that's why Reagan's creating a $4 trillion debt when the economy was doing well was a bad thing. That's why Bush handing out tax CUTS at a time when the economy was doing well and the debt was finally coming down was a bad thing.

But the fact of the matter is that debt is not always bad. That's true for a business, that's true for a family and that's ESPECIALLY true for a government!
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HUFFPOST SUPER USER
SequimBob2
07:24 PM on 03/06/2011
But the fact of the matter is that debt is not always bad. That's true for a business, that's true for a family and that's ESPECIALLY true for a government­!


Hmm. Do I address you as Left.. or as Right? :-) Think I'll go with "LR."

I agree with what you said, to determine whether something is good (or bad), it needs to be placed into context.

I'm concerned about debt in the context that: (1) We owe ourselves $14T dollars and do not appear to have the will to pay it back. This means a devalued currency. (2) We have rising entitlement costs amid political pressure to cut taxes. (3) We have two on-going wars, previously funded off-book, and (4) we really, really need to fix our infrastructure. (5) The Dems and Repubs are at war with each other and not working to solve the country's problems.

Lastly, and most importantly, someone replaced many of our elected leaders with children or immature adults who are apparently incapable of dealing with the debt problem or even addressing it forthrightly with the American people. Instead, we get bumper sticker sound bites about freedom, liberty, Socialism, Government take-overs, and so-on. It's not that the problem of debt is unsolvable, it's that there do not appear to be any adults in the government room.

And in this context, the debt scares the bejezus out of me.
10:57 AM on 03/07/2011
LR, You seem to actually grasp the essence of the problem we're now facing, especially when you add Bush's financial deregulation. Why isn't the "popular" press talking about this? Why is John "The Obstructionator" Boehner always center stage with no credible response from the Dems? Oh well, all in a day's frustration.
Mike_Westlake
www.TheWestlakeReport.com
09:44 PM on 03/06/2011
What's left out is creating progressive, marginal tax rates for the over 250,000 crowd.
HUFFPOST SUPER USER
Serio420
10:38 AM on 03/07/2011
What's left out are new tax brackets for millionaires and billionaires. It doesn't make sense to categorize a surgeon, making 250k, with the likes of the Walton family.
04:05 PM on 03/06/2011
So a country can not go bankrupt?

What happened to Greece?
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pasc
Willfully Ignorant: The New Normal.
08:19 PM on 03/06/2011
I'm not sure, but somehow I doubt that Germany has repossessed the Acropolis.
02:35 PM on 03/06/2011
The analogy of government as a business reflects the classic republican perspectives of 'profit first and always' and 'me' over 'we'. Government's role is to provide for the common defense, provide those services used by the public (roads, waterways, infrastructure, etc.), set standards (legal, weights/measures, monetary, safety, etc.) and to provide for the well-being of its citizens (public health, environmental protection, etc.). It is to provide services (that we pay for through taxes), not to garner a profit.
Should the government be run more efficiently and cost-effectively? Yes.
Is the government paying for things that it probably shouldn't? Yes.
Are there people and companies that use and benefit from the services the government supplies, yet shirk their responsibilities to pay their fair share? Yes.
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HUFFPOST SUPER USER
LeftRight
TANSTAAFL
06:45 PM on 03/06/2011
Exactly!! I'm not denying that there's spots where the government could spend money in a much more efficient manner. But to claim that all government spending is bad because you see SOME problem spending is INSANE!

And to take that government spending out of direct spending and hand it over to a corporation when the corporations have shown again and again that they have no idea what they're doing????? That's WORSE than insane!
02:06 PM on 03/06/2011
If the writer is opposed to comparisons, like to families or business, then lets do apples to apples. Compare national economies to others. Heck, lets also include nations from past ages. Empires if you like, since so may pundits refer to this one as the greatest ever; poor historians I call them.
Bravado aside, we are a nation of immense wealth but suspect moral character based on the treatment of the "have-nots". Is the almighty dollar the bottom line or the overall health of our nation, based on all of its citizens.
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HUFFPOST SUPER USER
LeftRight
TANSTAAFL
02:13 PM on 03/06/2011
Well if we are to compare to other nations and to past nations we would find that we are running a HUGE national debt, and that's a bad thing. On the other hand you're correct, the REASON we're running such huge national debt is because we gave to the haves and are now trying to take from the have-nots to pay for it!
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HUFFPOST SUPER USER
Chad Brick
01:16 PM on 03/06/2011
Actually, I like it when Republicans bring up a comparison between family finances and government finances. Why? Because the obvious parallel to tax rates is hours worked.

So when times are tough and wages are down, do you

A: Pull junior out of college, skip oil changes, refuse to replace your inefficient 30 year old water heater, and ignore that leak in your roof

or

B: Accept your boss's offer to go back to full time work, after having cut your hours steadily over the last three decades.


We ain't "broke". We are lazy and greedy.
02:28 PM on 03/06/2011
Your youngish picture is confusing me. Don't know about you but I have been working full time jobs for more than three decades, and I'm now working more hours. Where's the steady cuts? When I ask for a pay raise, he says, work more hours you'll get your raise. Thanks, 12hrs plus a day, half day 8hrs on saturday, are enough boss.
HUFFPOST SUPER USER
MoreFreedom
01:10 PM on 03/06/2011
Eskow's article is filled with false assertions. I hardly know where to begin.

"the Wall Street collapse, which forced America's biggest banks (including Ms. Meeker's former employer, Morgan Stanley) to be rescued by the taxpayer" No, politicians bailed out these firms for campaign cash. America was not forced to bail them out.

"the BP oil spill, which proved that corporate risk management can't be trusted to protect the public."
No, the MMS was in charge to ensure that there wasn't a spill and to protect the public. Government, who gave them a safety award before the spill, can't be trusted to protect the public.

And all of Eskow's points about the cause of debt are irrelevant regarding as he doesn't address how to pay for it.

"If the government cuts spending in one area it affects the entire economy, and could wind up costing more than it saves." Government spending, when done via taxes, reduces what citizens would spend on themselves. And government spending (if not on protecting our liberties) usually favors one group at the expense of citizens and taxpayers; thus, is inefficient and immoral.
HUFFPOST SUPER USER
M Jeffrey
01:37 PM on 03/06/2011
nonsense and not one point you think you made is true as you merely disagree but have no real depth of thought such as blaming the gov't for the spill but that is a cheap shot as the mms was bought by the corps to look the other way and the banks were rescued by tax payer money regardless of who decided to it and private business is not doing a damn thing for America except drive it to decline
03:04 PM on 03/06/2011
That sure is one loooong sentence. Is the period key busted on your keyboard?
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HUFFPOST SUPER USER
LeftRight
TANSTAAFL
02:02 PM on 03/06/2011
Wow..... What's it like living in a world with a puce sky? You remove all blame from corporations and place it all on government....
01:07 PM on 03/06/2011
I like your analogy about Hedge Fund Son. How about we give up with any spending analogies about the economy and stick to INCOME analogies. Here's mine--your broke and the first thing you do it go to your wife's boss and say pay her less.
Actually we should stick to three simple facts that Michael Moore outlined yesterday in Madison Wisconsin. The Richest 400 people in this country have more than the poorest 1.5 million! In this country it's still one person one vote. There are way more of us than of them---
One thing though the rich own the media --including Huffington Post--you won't see any prominent play for Moore's speech or the protest in Madison---and that "fair and balanced" channel will continue to pull coverage with PALM TREES to try to convince you that the protests are becoming violent. They LIE> why is it "against policy" on this site to point that out?
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HUFFPOST SUPER USER
LeftRight
TANSTAAFL
02:07 PM on 03/06/2011
Is that true? I would have figured that they had more than that....
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HUFFPOST SUPER USER
ArjenBoatsma
No such thing as too much coffee.
03:26 PM on 03/06/2011
The Richest 400 people in this country have more than the poorest 1.5 million!

Are these numbers correct? I would find the statement more believable, and it would have a much bigger impact, if it said that the richest 400 would have more than the poorest 150 million.
04:49 PM on 03/06/2011
Agreed!
HUFFPOST SUPER USER
bluepond
person
12:52 PM on 03/06/2011
Thank you for writing this...words actually mean something to some people.
12:44 PM on 03/06/2011
Okay, you ask us to stop, already, with the inappropriate analogies. And you're right: we're not a family, we're not a corporation - we are, indeed, a nation. But as we scale up national decisions (legislation, etc.) we need to be mindful that this nation includes families and corporations. And so I was interested when you mention the "family" that decides to cut-back on Grandma's food, and turn off her heat, all in an effort to save money. (And remember, as you say, Grandma actually built the house!) Sounds like you're not pleased with what's happening to Grandma. And frankly, as the founder of www.AfterFiftyLiving.com, neither am I. This nation will be measured not only by how many banks and car companies it has bailed out, but also by how it treats its people, including its least able. To those who are eager to turn Grandma out-to-pasture, I ask you to take note of the wrinkles encroaching on your faces, and of the increasing number of candles on your birthday cakes. Grandma-hood may not be so far behind for you, too.
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HUFFPOST SUPER USER
elmoor
12:20 PM on 03/06/2011
2/3 of all corporations pay NO taxes.
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HUFFPOST SUPER USER
LeftRight
TANSTAAFL
02:09 PM on 03/06/2011
And more than half of those actually get money BACK from the government! GE, for example, not only paid no taxes, but GOT BACK about a billion dollars from the government in a tax REFUND!
HUFFPOST SUPER USER
Jay Guinne
06:26 PM on 03/06/2011
Economics 101, corporations do not pay taxes, people do. The burden of corporate taxation is ultimately borne by customers (through higher prices), stockholders (smaller dividends and capital gains), and employees (lower wages).