I basically believe the medical insurance industry should be nonprofit, not profit-making. There is no way a health reform plan will work when it is implemented by an industry that seeks to return money to shareholders instead of using that money to provide health care.
Our writers are full of cliches just as old barns are full of bats. There is obviously no rule about this, except that anything that you suspect of being a cliche undoubtedly is one and had better be removed.