Personal responsibility (and political correctness, too)

As I was driving to work the other morning, I was listening to the CBC, and the on-air fundraiser they were having for Winnipeg Harvest.  It always makes me sad to hear things such as “If we brought 100 children in here, 32 of them would be hungry.  If we brought 100 children in here from a Northern Reserve, 63 of them would be hungry.”  I may not have remembered the numbers above exactly, but they would be close enough to what was stated to be indicative of the current level of child hunger in our society.

The question is, with the level of social entitlements we have in society, and even supplemental family programs (such as Heathy Child that offer free milk to families), why do we still have rampant child hunger?

The answer to this question, like so many other similar questions, is personal accountability.  As a society, we have forgotten how to take responsibility for ourselves, or hold each other accountable.  The convenient response when we are unhappy about the status of something in our society is “the Government should do something about it”.

Unfortunately, this has become so commonplace in our society that I believe a large cohort of Canadians have a belief that government can cure all ills that befall our society.  Listen to CBC Radio One, and pay close attention to how many times their guests or their hosts state that “Government should……”  Read the Winnipeg Free Press, or other online mainstream media, and pay close attention to how many times any article dealing with a societal issue states that “Government should” solve the issue.

The point is, the government can launch any program they choose, or throw as much money as they want at an issue.  However, if individuals in our society refuse to take accountability for themselves, the program will be ineffective and the resources will be wasted.

As long as members of our society refuse to take accountability for themselves and their lives, and continue to remain victims of their circumstances, then their lives will truly not improve.  And if government continues to indulge them with even larger social entitlements and programs, where does this leave all those who have been responsible, and are now picking up the tab for others.

Let us consider a recent phenomenon in Canadian politics – the cry for provincial pension plans.  To some, they are a way to ensure all residents of a Province retire with adequate income.  To myself, this looks like another tax on working folks and employers, and yet another case where those who have not saved or planned are now being bailed out by a rapidly shrinking pool of taxpayers.

So, like individuals I know and have known, a PPP gives them yet another reason not to save for retirement, yet another reason to not be responsible with their money.  And again, those that are responsible with their money, and those who sacrifice now to save for later are those who end up footing the bill.

Of course, if you were to ask advocates of a PPP why they need it, you will likely get answers that place the blame for their need on someone else, or government.  They will be victims of their circumstances, powerless to make their lives better, and unsupported by a government that didn’t do more for them.

Very seldom will they mention making sacrifices to seek further education.  Very seldom will they discuss the financial sacrifices they made to be able to save and live at the same time.  Very seldom will they discuss how everyday life choices they make, in many cases poor choices, have affected their ability to save or improve their life.  Instead, we will hear how they are victims, and how government didn’t do enough for them.

But it is difficult for us to have frank conversations about this as a society, as in our desire to be more inclusive over the last thirty years, we have now allowed political correctness to control the direction of conversation.  This fear of being labeled a “poor basher” or “racist” or “misogynist” prevents us from having honest conversation about issues.  In this era of political correctness, there becomes no solution except to throw money at problems.

Let us look at some specific issues, and tell me how these could be approached in a manner that does not cause the individual discussing them to be labelled something unsavory:

  • Substance abuse issues (alcohol, tobacco, drugs) in low income households
  • The state of housing on Reserves in Canada
  • The number of unwed and single mothers in society, and the absentee bio-fathers of the children
  • Intergenerational poverty, and normalization of being on assistance
  • Addiction issues (substance and gaming) in Northern and isolated rural communities
  • Official bilingualism
  • The failure of specifically targeted groups to take advantage of educational opportunities
  • The state of public subsidized housing in Canada
  • Child and Family Services, and their effect on families

Just reviewing the above list, one can easily see a large number of political landmines that a person could easily step in on attempting to discuss these issues.  But they need to be discussed.  Throwing money at problems is what we’ve done until now, but the issues seem to be getting worse, not better.

If we discuss issues in a forthright manner, and discuss the role of the individual and their responsibilities  in helping solve these challenges, it would be an important first step.

It can’t be anti-poverty activists who carry the discussion.  It can’t be government that carries the discussion.  It has to be the people whose lives are affected, and who are willing to step up and take accountability and ownership for their lives.  These people deserve all help necessary to improve their lives.

For those who refuse to take accountability for their lives, and who choose to make poor life choice after poor life choice, there is very little we can do for them.  Improving entitlements for this cohort is a waste of taxpayer’s money.

As a society, we have a responsibility to take care of the vulnerable and those who cannot care for themselves.  But until our government has the will to place personal accountability on individuals, and develop the will to discuss and solve politically sensitive issues, we will never solve the underlying problems that have generational impact in Canadian society.

Like child poverty and hunger.

Advertisements

Conservatism and Social Entitlements

As you may have read on my “About Me” page, I had a grandmother who was staunchly anti-conservative.  In her words, “They’re only for the rich.” She truly believed this, and although she would never tell me where she put the “x” at election time, I am confident the words “Progressive Conservative” were never on the same line.

However, my grandmother was an incredibly compassionate woman, and lived her life as such.  Someone needed money?  She could always find a few dollars in her pensioner’s income to help.  Need a meal?  She’d be happy to cook for you.  Although she lived a modest life, there was always “enough” for others.

Interestingly though, she never had much patience for those who refused to help themselves.  She took great pride in that although she had not lived an extravagant life, she had never needed to live off of the state.  To her, if you didn’t have what you needed, you made do.  Born in 1908, she had lived through two World Wars and a Great Depression.  She understood what “making do” was.  And if you were able to make do, then you didn’t expect others to give their hard-earned labor to support you.

Ironically, she enunciated one of the core beliefs we have lost in Canadian Conservatism.  Somewhere in the last twenty-to-thirty years, Conservatives have begun (like Liberals) to believe that forms of social assistance are now “entitlements” as if people are “entitled” to social benefits.

When I was a young man, I was brought up to believe that going on any form of social assistance was tantamount to freeloading off of others.  Although I had the ill-fitting clothes and permanent second-hand smoke smell of the working-class, at least I didn’t have to live with this stigma like a number of my classmates.

So I look back to the 70’s, and I look at today’s society, and I wonder when it all changed?

Social assistance was always meant to be a temporary means when a family needed help getting back on its feet.  In fact, if one looks at the Employment and Income Assistance program in Manitoba, its specified goal is to:

∙ assist Manitobans in regaining their financial independence by helping them to make the transition from income assistance to work

∙ provide income assistance to Manitobans in need.

That sounds pretty good, in theory.  Help people become financially independent, and help those who have no viable source of income.  Unfortunately, government makes it very attractive for people to not become financially independent.

Earning a living on assistance:

Based on 2015 rates, a family with two children in Manitoba will receive between $1,117 and $1,261/month tax free (based on the ages of the children). With the enhancements to the CCTB announced by the Trudeau government, this family would also receive an additional $1,137/month tax free including their GST credits.  So for a family with no income, and two children under 6, they would receive $2,398/month tax free, or $28,776 annually.

Plus being on assistance entitles the recipient to other assistance that would not be available to people not on assistance.  Some examples include:

  • Ambulance
  • Chiropractic
  • Basic dental
  • Eye exam every two years, new glasses every three
  • Foot care
  • Hearing aids
  • A number of medical expenses, including prescriptions
  • Prosthetics
  • Transportation to medical appointments
  • School supplies
  • Child care (whole working or at school)
  • New beds every seven years

Of course there will be dollar maximums attached to these benefits, but I believe the point is evident.  For a family not on assistance, they get to source and pay for child care, cover off all work expenses including transportation, and get no help on these expenses of daily life.

If we said these benefits are worth even $1,224/year, this moves this family of four to a tax-free income of $30,000; this is the equivalent of the family earning approximately $38,000/year.  Granted, this is not an extravagant standard of living, but is liveable.

Just for reference, my 1999 income indexed to 2016 is approximately the same gross and net amount as stated above.  However, I paid taxes, purchased a first home (a very modest one) and also went to school full-time while working full-time so that my family’s standard of living could improve.  We lived a modest life, we worked hard, and as we were “making do”, we expected no one else to take care of us.

The trouble with these “entitlements”:

So where is the incentive for a family to regain its financial independence?  Paying benefits at these levels means that even the most financially challenged of our families can easily become ensnared in a cycle of dependency.  One parent wants to work?  Once their work income is factored out, and they pay all the additional expenses associated with working, their in-pocket cash could be lower.  No to mention any issues this could have on subsidized housing, or other benefits.

Fundamentally, the system is designed incorrectly.  On assistance, a person’s basic needs can be met.  So unless they have educational or career prospects to increase earnings substantially above the levels stated above, then where is the incentive to get off of assistance?

Futhermore, well-meaning liberal policies end up compounding this issue.  One day I heard an anti-poverty activist on the CBC discussing the quality of public housing in Manitoba.  His contention was that housing needed to be improved as it wasn’t a “very uplifting” environment.

Excuse me?

As a young man, I had lived in a variety of average to below-average apartment buildings around Winnipeg.  I hated it.  I never seemed to have enough money for anything, only bought my first $500 car in 1991, and rented until I was 29 years old.  To even be able to afford our home, while paying for me to go to school required extreme saving, the type of saving where eating dinner out is a major financial decision.  We did not have cable, satellite, or Internet.   We drove a 1986 Dodge Omni.  You could not say our lifestyle was very “uplifting”.  But we knew if I got educated and worked hard, we could make our lives better, for us and our kids.

If we had been comfortable instead; if the state had provided us with a nice place to live, and adequate funds to meet our needs, plus a bit more, would this motivation had been there?  I would venture that the day-to-day existence of someone under the current entitlements is less desparate than our was.

But from that desperation comes motivation.

So what’s a Conservative solution?

Well, paying people to stay at home doesn’t do anyone any good.  Unless someone is unable to work, providing financial disincentive for people to work is wrong.  Worst of all, it normalizes living on assistance, and sows the seeds of intergenerational poverty.  Increasing entitlements paid to low-income families to continue to have more children simply locks the family into a difficult to escape cycle of dependency.

However, the Conservative doesn’t believe in the social engineering that the Liberals typically espouse.  Don’t pay people more to stay on assistance, “pay” them more to get off of it, through review of the tax act, and revisiting income splitting for families.  Work on private and public partnerships so that businesses receive financial or tax incentives for providing on-the-job training and skills upgrading.  Expecting government to create jobs is folly; by creating the proper conditions for business, it is business who will eventually help raise the standard of living by creating good paying jobs.

Oh yes, and remove the payroll tax where applicable.  What government in its right mind taxes a company for increasing the number of people it hires.

This being stated, a Progressive also understands a modern and wealthy society has an obligation to take care of its most vulnerable.  Seniors should be able to retire with dignity, and have adequate income to ensure the necessities of life.  For those who are unable to work, we take care of them.  And most importantly, we ensure our schools both feed and train our children to be as successful as their talents can make them, regardless of their economic background.

We need to get back to what I consider the true party of the working class, the Progressive Conservatives.  Progressive Conservatism is different than Liberalism, in that we truly want people to be successful and productive members of society.  The best way to do this is through training for people and incentive for business, all to help people achieve what they can.

Although Liberals have equally positive goals for those in poverty, they instead believe in the ability of a munificent nanny state in caring for people.  So although they may temporarily improve the lives of people on assistance (like with the CCTB increase), this improvement creates complacency and dependency.  To pay for these expensive entitlements, those working pay more, and business pays more.    This stunts consumer spending, and stunts job creation.  In short, we create dependency.

So as Conservatives, we need to quit subscribing to the Liberals’ practice of paying voters to vote Liberal  with the voters’ own money.  I believe plenty of families would like a road map to escape their entitlement paradox and to improve the lives of them and their families.