Released: Filed Under: Stoa Policy
About "Postal Banking"
The AFF case proposes to bring back simple banking services at Post Offices, as most other major countries do today and as the US did from 1911-1966. This is a bad idea for several reasons. First, the ones it proposes to help don’t need any help. The “unbanked,” who supposedly don’t have access to banks, in fact most of them do have access and simply choose not to use them. And there are lots of options available to them, and more on the way. Asking the Post Office to handle your money is almost the punchline to a bad joke, because as soon as you say it, you would think how silly it is that an institution that loses billions of dollars every year could be trusted with anyone’s money. It is true that the US did have some limited form of Postal banking from 1911-1966, but what we did back then was very limited compared to what the AFF is proposing. Evidence showing it worked then doesn’t apply to now. Instead, the Postal service will simply be stuck with bad loans and poor customers who will fail to repay their loans and bounced checks, leaving taxpayers on the hook.
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Coach Vance debated in National Forensic League debate while in high school from 1979-1982. In college, he judged at high school NFL tournaments in North Carolina. A homeschooling dad himself, he realized the growing potential and benefit of homeschool debate and switched over to coaching homeschoolers a couple years later. In 2001, he helped Chris Jeub with bringing The Blue Book to a more advanced level. He has been co-authoring Blue Book ever since.