I think, in this world there are 3 institutions, which does more harm than good, and it is - Banks, insurance companies and the Church.
I have no doubt that it sounds so bad that some bigot already drink valerian drops stuck loans nervously suppressed fists in preparation for response to comment, and insured housing, car, health, life and geraniums ... These apparently quietest, because insurance is the thing that enters in life, too much paying attention paid. A large percentage of people expected even forgotten what exactly is insured.
Why them 3?
For all of these institutions sell the illusion . Bank - an illusion that can not afford what you really can not . And you can not be for another 30 years. Or never. Insurance companies - the illusion that you are safe. The Church - the illusion that you are a good person, and something you keep . The trouble is that for the illusions usually paid too high a price. Sometimes, only cash. And sometimes even life.
And while normally the most are bad banks, but they are the best of the list. After careful consideration of borrowing conditions and opportunities, it is likely that the loan will be paid and will even be benefited, regardless of any additional payments to the bank (interest, contractual fees and so on.). Therefore, the bank is angry bad wolf, which can sometimes be fooled.
Second-worst institution - Insurance companies that sell part of a good package, but the vast majority - spam. Good packages are essentially compulsory and comprehensive insurance. All kind of housing, household items, life and so on. prohibitions are mostly an illusion, which collapsed in the event of an insured event, when it turns out that the loss is below a certain margin of impairment of a 10 print 15 pages written condition or the like.
As for home insurance, if it is not located in a wooden or just completely battered, the probability of an insured event - close to 0. In principle - the war, the atomic bomb, or other similar circumstances. But these subjects are covered in cases of force majeure, and for them the insurance benefit is not paid, that is, if your house will destroy Russian tanks, it is with them you have deal yourself - insurance will not help you.
Well, the worst of authority, of course, is the Church. These should not even that avoided. Best hinge bypass because the work there are pasta hanger that accidentally if you went for a short visit, and you will begin to believe that some guy in front of more than 2000. He walked on water and redeemed your sins in advance. What you can now keep all the crazy, whisper to the guy with cassock in the ear, recite Potter and re-enter all of the mind.
I think that most people in the Church and the machine in that it offers the forgiveness of sins. Sometime just selling indulgences, and now tells recite Potter for the victim. Downward pressure prevailing myths that believers are better people, studies show that a benevolent and more willing to share than those who do not practice any religion. Because they are not to create in your mind spasm that some guy with a cassock can forgive bad behavior.
But the worst part is not even the myth, for which people throw offerings into the box, not even those of their mites to be assigned to one of the most expensive structures to maintain, but the fact that the Church as an institution is immoral . Historically, it has many times their Tunic Gets dirty that even the worst politician would have already retired. But not the Church!
In spite of the Crusades, the Inquisition, indulgences, pedophilia and all other evils that have haunted this institution like a curse as it has still feel entitled to teach others to live . This is exactly the same as if a prostitute teach to abstain.
And the worst part, that the training takes place not only in the ornate masonry, where evil bigot gather to complain about life and feel more rightful (than that is normal), but it is inserted through the media, politics, education, etc. The church like what the agile mouse use every canal - religious lessons, participation in all kinds of organizations, public statements on all matters of public interest and so endlessly. Church as a spiritual shepherd myth so vigorous that it even tax-exempt (probably the only institution in the world) and yet ... hungrily eats the budget not only believers, but all at the expense of non-believers.
And as you've probably guessed, the 3 instances can fight only one way - a good assessment of what you pay for and whether it's worth the price. And, of course, what is the likelihood that the product will be delivered.