Sen. Harkin, Healthcare is neither a right or a privilege.

Senator Harkin stated on CBS News' "Early Show" that the healthcare debate can be framed as between two sides, which "one one side is health care a privilege, on the other side health care is a right."

Sir, health care is neither a privilege or a right. It is a service. Health insurance is neither a privilege or a right, it is also a service.

Clearly, your stunning intellect is not what achieved your lofty position. It must have been the favors you have courted and paid that got you where you are today.

The primary problem in this country is that people don't want to buy insurance until they need it. Once they need it, no insurance company wants to insure them because they refuse to accept the risk of a "sure thing". The best way to get insured in this country requires no fix to health care. It simply requires that all American citizens buy insurance while they are young and healthy.

Once you are sick, it's too LATE to buy insurance. Why can't you people get it?

It's the greed of the American population that thinks it's OK to transfer the risk and high cost of sickness to others only after they have gotten sick. And there it is, plain and simple.

I've been paying for health and life insurance my entire life. And while I've made a few small claims against that insurance, the fact that I have paid for health and life insurance all my life is why I have had a satisfying relationship with my insurers. I don't smoke, I don't drive fast, I don't drink to excess, I don't pursue risky or life threatening activities. For those reasons, my insurer continues to accept the risk of eventual high-cost claims.

But you people who don't have insurance, many of you don't because you didn't buy insurance simply because you didn't need it. You were healthy. You instead bought flat-screen TVs, or a new car or other material goods. And now that you are sick, you want somebody else to cover the cost. Sure, you'll buy insurance now that you need it. But guess what? We, who have been paying for insurance our entire lives, don't want accept the risk for a sure thing.

Well, my two cents worth is that you made your choice. You voluntarily chose to opt out while you were healthy. You gambled that you would stay healthy. But you didn't and now you want somebody else to cover the bill.

Thanks but no thanks.