Your UPS analogy is slightly off...
The better analogy is ... You buy a house near a bridge
The bridge has 2 lanes
When you see the bridge at 4am there is nobody
But at 7am it's packed with delays towards your office and the other lane empty (empty lane has a toll booth)
You bought the house based on thinking it was going to be a simple ride to the office and free 1 way
What you discovered is huge delays.

Now you're asked to build another bridge lane, but the town won't help foot the bill unless it get's to build a toll booth and raise
the rates. Taxpayers don't want to foot the bill.

That's part of the entire issue. Who's to blame when 2 auto's go bump.
While 2 compatible communication systems should not crash or even bumps, what do you do when you got a chunk of metal barreling down the road in the left lane and the driver falls asleep. While it's obvious to us that sleepy head should bear all the blame, the dispute will be fought in court.

Not only that, I would think that this would force all the manufactures of auto's to open new companies to avoid the legal liability to the main brand. IE: ford auto drive group, licensed to use the designs...

While I respect and understand your point. I have to have some hope that this current generation, will invest in making the energy cheaper and cleaner. Overall, I think that the rich countries have done a decent job, I know that there is a ton of toxic companies, but I think there are more cleaner thinking companies too.

Look at the project in Spain that cost 300 Million euro's. I think that proved that solar storage works, and once someone knows it works, investors line up to fund it. So, in the future, we might see Spain, Greece, and Italy, providing the long term solar energy to most of Europe for daylight base loads. Got the same idea for Florida, Texas and Mississippi are doing the same for west of the Rockies daylight baseload.

OK, Just read the Brooking's report. It validates everything I said. Specifically on the lending with 20% down. ( Which seems to be an unwritten rule, not a federal rule which must be abided by).
In reference to dismal profits...
If I'm a USA bank doing 100 billion in transactions @ 5%
And you're doing less even at a higher percentage rate.
I'll have you beat because the volume of transaction
NOT on the quality of the transactions.

From reading the report, the quality of the transaction from Canada seemed to be higher.
So again, I am validated, You rode out the storm, we hit the rocks.

Just want to debunk 1 aspect of your statement : banking
It was not your over a regulated banking system that prevented the problem
It was good business sense. Your banking people offered lending at 1/2% or more
During the entire cycle (2002 to 2007) with requirements of 20% down.
This was un-competitive in the market, BUT was using good common sense in lending
So the crisis was a non-issue to most of the Canadian Banking portfolio holding.

I always like to clear this up, bad lending kills long term business, good common
Sense lending always earns less short term, but long term success is assured

In Capitalism, yes. Since the best will always be paid top $$$
I really don't know how to argue the no side of this question but I believe that it has to do with job security.

I would advise your girlfriend to get a job with the military. History and battle tactics repeat themselves often, so her use would be of benefit.

Just might work. Don't forget we have many people that have influenced history via sarcasm or joke's. Lenny Bruce arrests leading to George Carlins list of 7 things you cannot say on the air. Leading to court cases... Which lead up to a refined perspective of what might be accepted. I still have never understood the rules, but it seems that it's more understandable by those that deal with Media.

So looking for someone that has a following, and that following can effectively make a change in the world (think of a Mother Teresa type person) and finding them is important, what they think people just might act upon them. Another person that when they speak people listen is Warren Buffet ...

anyway have a great day

This is so amazingly true, well at least about myself. I find that I am the most likely the bottom of the pile when it comes to planning, but flow charting the idea out completely, I got everyone beat. It works like this and I am laughing while writing this:

Someone had the idea
I R&D the idea
I flow out all the steps to the idea in insane detail
I hand it over to more people to gather even more details
Get it back and re-flow the entire idea
I hand in back to some-else to put a time frame
Get's back into my hands and I try to re-flow it out for efficiency, moving parts around (huge mind map mostly)
Back to the time frame guys
Kicked up to someone else
Goes into testing (production)
Comes back to me, the results are validated or the idea tossed into the can and we record where we made mistakes.

Funny, I've never looked how fun my work can be.

I've never had the opportunity to get a speeding ticket in Europe or England... Would you mind detailing how huge some of the fines are? I understand that fines are sometimes related to income, which, I think makes it slightly more fair ( a wealthy person would pay more than the base line income fine ) ...

sorry I forget that there is head in parking, it was parallel parking on the street

Well using population density is really weird, but hmmm let just compare a bit
https://en.wikipedia.org/wiki/...
NJ, the whole state is crazy dense ( I lived in NJ and I can attest to it's density ) 1200 pe square mile
https://en.wikipedia.org/wiki/...
Germany has only 585 per sq. mile.
while these numbers seem nice to make a statement, reality these numbers need to be adjusted to reflect
distance to viable work and the density in that distance.
so for example : 42nd st. ( NYC), Harrods in London, Eiffel tower in Paris, these are the center of viable work,
then figure out densities from these locations base on commute times. I know from my own research in real estate rentals
that the commute time from the bus stop in NJ to Port Authority or to Hoboken ( path station ) increase in value per
square foot for ever 5 minutes saved. I would get about 1400 per month in Fort Lee and 1800 per month in North Bergen with all other factors being similar.

I've gotten violent over a parking spot in miami fl. Seems like people here pull in nose first, and I've always passed the spot ( with the blinker on ) and reverse in. Had some jerk take my spot that I waited for. got out, started beating on his window, Cop came over, told me to stop, and told the guy he was wrong. I got my spot and a verbal warning.
Lucky that the cop saw it. He warned me that most of the time, people get shot over these things.

In fort lee I rented my second floor apartment for 1400 and that was a simple 2 bedroom for 1400.00. I'm guessing but if I still owned it I would be mid 2300 to 2800's

since you might not know ( disclosure I am a realtor )

in reference to
A) Stronger protections for consumers, since you usually don't get to negotiate term-by-term of your insurance contract...
You can insure in the USA with Chubb, they are rather good at line by line. Also you'll pay more.

B) Overhaul our POS legal system so that most straight-forward civil matters can be resolved without any need for lawyers and unaffordable legal expenses...
Nope it does work, problem is the lag time from stupid laws created till it's removed. sometimes it takes years for the effects of a law to removed. Sorry I can not cite a case.

C) Require a bond or other security from your tenants to offset such potential losses...
Yes, it's called renters insurance, made payable to the landlord, which when a renter is willing to get themselves covered, you will have a corresponding decrease in rental income ( fair is fair since the liability offset and the tenant is paying this in full) . this is my personal preference, For home's yes it's worth it, condo's which are concrete all around with concrete block, electric stoves, and cook-top electric, the loss is minimal maybe 20K so not worth it, most likely covered under your own policy.

As for subletting, If I own the place, I base the revenue on the risk of a 1 year lease, it's all about wear and tear at the end. An asset has a specific life value ( carpets about 5 years, ceramic tiles about 7, wood floors need a full redo every 8 years or so depending ), so if more traffic ( wear and tear ) happens, I need to replace faster. so your little bit of subletting revenue won't offset the risk ( let's not even talk of being party to the sub-let with the insurance company ).

Subletting, while great, is high risk. and if the tenant that sublet to me, does not have a hotel license, I could stay in that place until eviction. ( rental rules are different from hotel rules )