Ed Schulz explains that the opt-out is the first step to a single-payer system and set up to make sensible people the bad guys by playing with government money. It’s a lot like GMAC’s Ally Bank, which is seeking it’s third helping from the bailout trough and using government money to offer very attractive rates and ads that make other banks look mean. Ally Bank is the government competitor in banking, so is too big to fail by default.