Remember, Democrats are never responsible for anything...
Like how Nancy Pelosi was responsibly for everything bad that happened while Bush was in office? I remember there being a long list of problems with Clinton, at the time. Democrats have never done anything right, according to the Religious Conservatives.
There's the conservative, state's rights, tea party wing that is in the minority.
Is that the "states rights" wing pushing to ban gay marriage on the national level to remove the rights for states?
Why multiple jobs? Because they're only getting so many hours each job, because if they'd work more they'd be elegible for benefits.
This is why we need to just have a government-provided baseline health insurance system, with the ability for folks to buy insurance to supplement it, if desired.
With that said, you could go a long way towards fixing the problem by making proportional health insurance coverage mandatory for all employees regardless of hours. Working 10 hours per week? The employer has to pay 25% of your health insurance costs, as a separate line item, above and beyond your wages. The entire notion of benefits being available only if you fall above some arbitrary threshold is just plain silly, and is practically designed for abuse.
Lawrence: Well, you don't need a million dollars to do nothing, man. Take a look at my cousin: he's broke, don't do shit.
This describes completely what most people would do if they had the option.
The problem is, there are two magic lines. The first magic line is the point where you no longer need money to survive. Above that point, you can goof off and not do anything, and because most people are only self-motivating in groups, unless you happen to know a bunch of other people, you're unlikely to do much. Yes, you'll work on projects, and you'll make some progress on some of them, but you'll also end up goofing off a lot. The second magic line is the point where you have enough money to ensure that a dozen other people also don't have to work to survive. When you pass that point, suddenly you're able to form groups of people to work on interesting projects. Those groups tend to be self-motivating, so you start to accomplish things.
As a result, you're right that most people would do nothing, but that's mainly because so very few people have the option of not working. Once you get a critical mass—once you have enough unemployed people in a single area who aren't panicking trying to find jobs so they can eat and have a roof over their heads, things just start happening in ways that are wildly unpredictable, and often quite useful and interesting.
If you need proof of that, just look at all the cool things people create at a typical college. That's a perfect microcosm showing what a world would be like if everyone could survive without working. In college, the majority of people either don't work or do minimal work-study jobs related to their field of study to get extra spending money. Sure, some people spend their free time partying, but others create really cool things like independent films, small businesses, Facebook....
The only "crash" is on the side of idiot speculators who trade it for fiat currency.
So the price has been stable against gold, but fluctuating wildly against fiat currency? Or are you just no true scotsmaning the crashes?
I've noticed several design suggestions in your code.