site banner
PaperclipPerfector  6d ago (text post)   19974 thread views

Culture War Roundup for the week of August 3, 2026

This weekly roundup thread is intended for all culture war posts. 'Culture war' is vaguely defined, but it basically means controversial issues that fall along set tribal lines. Arguments over culture war issues generate a lot of heat and little light, and few deeply entrenched people ever change their minds. This thread is for voicing opinions and analyzing the state of the discussion while trying to optimize for light over heat.

Optimistically, we think that engaging with people you disagree with is worth your time, and so is being nice! Pessimistically, there are many dynamics that can lead discussions on Culture War topics to become unproductive. There's a human tendency to divide along tribal lines, praising your ingroup and vilifying your outgroup - and if you think you find it easy to criticize your ingroup, then it may be that your outgroup is not who you think it is. Extremists with opposing positions can feed off each other, highlighting each other's worst points to justify their own angry rhetoric, which becomes in turn a new example of bad behavior for the other side to highlight.

We would like to avoid these negative dynamics. Accordingly, we ask that you do not use this thread for waging the Culture War. Examples of waging the Culture War:

  • Shaming.

  • Attempting to 'build consensus' or enforce ideological conformity.

  • Making sweeping generalizations to vilify a group you dislike.

  • Recruiting for a cause.

  • Posting links that could be summarized as 'Boo outgroup!' Basically, if your content is 'Can you believe what Those People did this week?' then you should either refrain from posting, or do some very patient work to contextualize and/or steel-man the relevant viewpoint.

In general, you should argue to understand, not to win. This thread is not territory to be claimed by one group or another; indeed, the aim is to have many different viewpoints represented here. Thus, we also ask that you follow some guidelines:

  • Speak plainly. Avoid sarcasm and mockery. When disagreeing with someone, state your objections explicitly.

  • Be as precise and charitable as you can. Don't paraphrase unflatteringly.

  • Don't imply that someone said something they did not say, even if you think it follows from what they said.

  • Write like everyone is reading and you want them to be included in the discussion.

On an ad hoc basis, the mods will try to compile a list of the best posts/comments from the previous week, posted in Quality Contribution threads and archived at /r/TheThread. You may nominate a comment for this list by clicking on 'report' at the bottom of the post and typing 'Actually a quality contribution' as the report reason.

2
Top Bottom Old Controversial Comments
Jump in the discussion.

No email address required.

I agree with your point overall, but this:

health insurance companies have rather low margins (typically ... 2-5% ...)

Doesn't mean what you'd think it means. Per the ACA, health insurers have a legally mandated minimum loss ratio (ratio of payouts to revenue collected) of 80%. If they don't payout enough to 'justify' their premiums, they're forced to refund the excess, which obviously they never want to do because if the customer is willing to pay that much, which they proved they were by paying that much, refunding it is just leaving money on the table with no upside. The remaining 20% has to be split between operating costs (which will inevitably bloat due to principal agent problems and internal politics) and profit, so 5% might be close to the ceiling of what's possible. Which makes it meaningless as a metric.

To quote an earlier post of mine:

This is a classic example of Goodhart's Law. Without this requirement, loss ratio is a good measure of efficiency; since a company will always try to minimize their expenses (the ones that involve sending checks to other businesses and don't benefit any employees, anyway), high loss ratios just mean there's adequate competitive pressure to keep them lean. But now? Who can say? The number is going to be >80% no matter how much or little competitive pressure they're under. If competition is insufficient, they'll just throw money at doctors and hospitals, because that's the only way they're allowed to raise profit/operating budget (via higher premiums). And if they were, it would look exactly like you're describing.

Is this actually the root cause of healthcare prices exploding? Probably not, but the argument-from-margins doesn't prove it isn't.

When your margin is capped, the only way to increase profit is increasing revenue. Predicted exploding costs means larger premiums means higher revenue.

Okay but you’d still expect competition to try to keep costs low to compete on premiums meaning you’d expect all things equal for insurance companies to want to keep costs low.

But the flip side to that is regulatory complexity means there are large moats to entrance decreasing competitive pressures.

What is this place?

This website is a place for people who want to move past shady thinking and test their ideas in a court of people who don't all share the same biases. Our goal is to optimize for light, not heat; this is a group effort, and all commentators are asked to do their part.

The weekly Culture War threads host the most controversial topics and are the most visible aspect of The Motte. However, many other topics are appropriate here. We encourage people to post anything related to science, politics, or philosophy; if in doubt, post!

Check out The Vault for an archive of old quality posts. You are encouraged to crosspost these elsewhere.


Why are you called The Motte?

A motte is a stone keep on a raised earthwork common in early medieval fortifications. More pertinently, it's an element in a rhetorical move called a "Motte-and-Bailey", originally identified by philosopher Nicholas Shackel. It describes the tendency in discourse for people to move from a controversial but high value claim to a defensible but less exciting one upon any resistance to the former. He likens this to the medieval fortification, where a desirable land (the bailey) is abandoned when in danger for the more easily defended motte. In Shackel's words, "The Motte represents the defensible but undesired propositions to which one retreats when hard pressed."

On The Motte, always attempt to remain inside your defensible territory, even if you are not being pressed.


New post guidelines

If you're posting something that isn't related to the culture war, we encourage you to post a thread for it. A submission statement is highly appreciated, but isn't necessary for text posts or links to largely-text posts such as blogs or news articles; if we're unsure of the value of your post, we might remove it until you add a submission statement. A submission statement is required for non-text sources (videos, podcasts, images).

Culture war posts go in the culture war thread; all links must either include a submission statement or significant commentary. Bare links without those will be removed.

If in doubt, please post it!


Rules


Recommended Posts And Communities

Recommended Realtime Chats