Southwest Public Policy Institutecitizens and nationals of the United States of America
Originally published at thehill.com on May 27, 2026. Spirit Airlines is gone. The airline business is fragile. Fuel prices move. Labor costs rise. Consumers chase low fares. Regulators block mergers. Politicians threaten bailouts. Then, when the math no longer works, planes stop flying. That is what happened to Spirit. Now, just as travelers are watching […]
Why state-level price controls threaten $35 billion in credit card rewards and household budgeting.
America has created two classes of retirement savers: One class gets access to the full economy, while the other gets a neutered imitation of it.
Why a national credit card rate cap would shrink access and worsen inequality.
Why collective investment trusts deliver lower costs without sacrificing fiduciary protections.
As the December 7 Medicare Open Enrollment deadline approaches, rural seniors face shrinking coverage options as major insurers scale back Medicare Advantage plans nationwide.
The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.
When The Wall Street Journal published my op-ed, “The Case Against 30-Year Mortgages,” I expected disagreement. What I didn’t expect was the flood of thoughtful, funny, and occasionally fiery responses from readers across the country. Read the full series here. Some wrote to debate, others to commiserate, and a few to wonder aloud whether the […]
After my recent op-ed in The Wall Street Journal, “The Case Against 30-Year Mortgages,” readers had plenty to say. Some were critical, most were kind, and many brilliantly insightful. Below is a selection of responses, shared anonymously for privacy, that reveal how deeply Americans feel about the strange alchemy of homeownership, debt, and the illusion […]
Originally published at realclearmarkets.com on September 22, 2025. Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows with Senators Bernie Sanders and Josh Hawley in pushing a 10 percent ceiling on credit […]