Rebane's Ruminations
September 2011
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George Rebane

[This is the addended and linked transcript of my regular KVMR commentary broadcast on 30 September 2011]

It looks like we’re entering into the season of rights again.  Wisconsin judge Patrick Fiedler has informed the nation that we don’t have and never had any rights to either our cows, our crops, or our gardens, and that we may enjoy their benefits only to the extent that the government permits.  Meanwhile, here in California we are again leading the world in the discovery of a new “fundamental human right”, that being home ownership – everyone has a right to their own home.

Ladies and gentlemen, none of this is made up or hyperbole.  I am talking about the Foreclosure Modification Act, which California voters will see on their ballots as another initiative in November 2012.  The act will essentially prohibit the lender from foreclosing on a house that is the contracted collateral for the mortgage on the house.

Specifically, one of the purposes of the act is to “prevent the loss of one's personal home property by foreclosure or other means due to hardship or illness or other calamity.”  Under “other calamity” we find such things as tanking of the real estate market, or interest rate hikes that affect adjustable rate mortgages.  With this new right under our belts, we get to stiff the lender if the market value of our house goes ‘under water’, or we simply can’t come up with the monthly mortgage.  The lender cannot kick us out of our house and must renegotiate the loan to make it compatible with our new financial situation.  It will be one of our rights.

This kind of rights creep has been going on for the last several decades.  Things we naturally thought were our rights, such as property ownership, have been whittled away to effectively government permitted custodianship or simply criminalized.  And then new rights have been bestowed on us which we never expected to be called rights – like the right to safe hiking trails or nationalized healthcare – which, when enforced, almost always reduce our ability to enjoy what the right is supposed to promote.  You can form your own estimate of what will happen to California’s housing market if we pass the Foreclosure Modification Act.


All these new rights and criminalizations of previously normal behaviors pass us by with hardly a ripple these days.  A possible reason for this is that almost no one understands what is a right versus, say, a privilege.  Both rights and privileges are forms of granted permissions to be, do, or have – a right being the stronger and longer lasting of the two, and presumably fashioned with more care, thereby creating fewer of them.  But what should all these rights be based on?

19th century French political philosopher and economist Frederic Bastiat was an astute student of the American Revolution and of the political philosophy that launched it.  One of his many contributions was the distillation of rights into their fewest number that could serve as the basis for the laws of a free nation-state.  He reduced them down to the three necessary natural rights.

In his own words – Each of us has a natural right — from God — to defend his person, his liberty, and his property. These are the three basic requirements of life, and the preservation of any one of them is completely dependent upon the preservation of the other two. For what are our faculties but the extension of our individuality? And what is property but an extension of our faculties?

God or not, the important point here is that these rights – sometimes called the Bastiat Triangle of personal security, liberty, and property – rise and fall together.  Like a triangle, these rights form a minimum stable structure from which, as needed, other rights can be fashioned.  A state cannot weaken one without necessarily weakening the other two.  Dear listener, I sincerely invite you to ponder this powerful concept, and perhaps, see it in a broader context by reading Bastiat’s classic monograph entitled The Law.

As an exit question – should a citizen consider not voting on issues, such as rights, when she has no clear understanding of what they are?

My name is Rebane, and I also expand on these and other themes in my Union columns, and on georgerebane.com where this transcript appears with appropriate links to reference materials.  These opinions are not necessarily shared by KVMR.  Thank you for listening.

[Addendum]  For completeness we should expand the operational definitions of rights and privileges.  The following are taken from an expanded piece – ‘Rights and Privileges’ – that I wrote to give a basis for future discussions such as this.  They are now summarized below.

PRIVILEGE –
1. is a permission to do, be, or have that does not have to be formally codified;
2. is granted by a party/agency that can legally prevent the exercise of the permission;
3. is intended to be granted and withdrawn with minimal or no due process; and
4. its grantor has no obligation to enable exercise of the permission;

RIGHT –
1. is a codified permission to do, be, or have;
2. is granted by an agency that can legally enable and prevent the exercise of the permission;
3. is granted to specified agency members to carry out an expression of collective will;
4. is intended to be permanent and granted equally to all specified members;
5. its grantor has the explicit obligation to expend all required resources to enable exercise of the permission within its jurisdiction; and
6. is in effect (i.e. remains a right) only to the extent that its grantor enables its exercise.

Finally, when one considers the imposition and/or impact of a new or established right, it should always include the examination of OBLIGATIONS the right engenders.  Every right, as enforced, also obligates certain people to do, be, or relinquish some things that they would not have to, absent that right.  Therefore, before we go spraying more rights over the countryside, it would be prudent to consider what these broader obligations would be and where they may land.  Lately this has not been the case, and as a society we suffer for it.

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56 responses to “Wrong Rights (Addended)”

  1. George Rebane Avatar

    For the record SteveE, your never ending disappointment with the standards I apply to this blog’s comments and commenters is duly noted by me and damn near everyone else whose eyes have graced these pages. Thank you and enough!

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  2. Brad Croul Avatar
    Brad Croul

    Supposedly, the underlying reasons for developing this piece of legislation is because,
    “real estate lending institutions have failed to provide a simple method of loan modification and foreclosure prevention” and that “foreclosure has become a method of increasing a lending institution, loan servicer, mortgagee, trustee and beneficiary’s bottom line and profits by turning borrowers out of their homes.”
    One of the provisions is that it only applies to those who owned their homes since 2007 and have occupied the home for two years. It does not seem to apply to post 2007 home sales.
    This proposed amendment is too late to help those who already went under. I don’t think it is needed since those who survived the downturn have somehow managed to stay in their homes without this amendment.

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  3. Bob Hobert Avatar
    Bob Hobert

    Greg, I agree if they are destitute and declare bankruptcy. But not with those who “strategically” walk away from mortgages they have been paying and can continue to pay. It gets back to George’s point about the Foreclosure Modification Act and what that will mean for us Californians.

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  4. Greg Goodknight Avatar
    Greg Goodknight

    No Bob, neither morals nor the law requires one to become destitute before letting the bank take possession of real property that is dragging them towards destitution.
    George’s piece is about the gov blocking foreclosures. You’re complaining about individuals choosing foreclosures. Not the same thing At All.

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  5. Mikey McD Avatar

    The problem is much bigger therefore, the solution must be much bigger:
    #1- End the Fed (central planning/social engineering by force) and artificially low interest rates.
    #2- allow crappy (poorly underwritten) banks to fail.
    #3-Get the Federal government out of the mortgage business (Freddie/Fannie).
    Solutions need not be more government control/power. Free market solutions allow freedoms to stay in tact.

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  6. Greg Goodknight Avatar
    Greg Goodknight

    It isn’t xenophobic to notice where the carpetbagger came from.
    “Well Greg when the evidence proves increases in greenhouse gas emissions and its associated affects including climate change are not anthropogenic I will admit I am wrong. You will just have to wait; and I suspect you will be waiting, and denying the evidence, for the rest of your life.”
    Steve, the issues (at least for me) have never been regarding the increases in CO2 (I expect most of the increase from 0.03% to 0.04% is from man); the issue is about making wild claims from computer models that have grossly oversimplified cloud behavior and have already been falsified.
    Warmist Cal physics professor emeritus Richard Muller put it this way… clouds only have to increase 2% over the model’s predictions over the next few years to wipe out all of the predicted warming. It goes away.
    It might also surprise the Frischs of the world that the catastrophic positive feedbacks aren’t specific to CO2. If you assume that clouds trap more heat than they reflect, and a warmer world will create more moisture laden atmosphere, any additional heat source will possibly hit the tipping point for a runaway positive feedback warming.
    However, this has never happened in the 500+ million years the Earth has been nurturing visible life, with CO2 as high as 10,000ppm (1%) near the beginning, during a worldwide ice age.
    Steve, the wind is no longer filling Alarmist sails. You will be having to face reality sooner than you think.

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