I came across a MSNBC article recently that illustrates the ever evolving insurance industry and how many insurance agents have found it necessary to either adapt or be left behind. I find it interesting how the Internet has changed the physical business landscape in such a way. Surely this trend is best for all of us, or is it? Here is some of the article I read:



"Since the dawn of the Internet many small business owners have been forced to adapt or be left behind. This is the case with independent insurance agents in Florida. Up until the early 2000s it was fairly easy to open your own car insurance office on the main street of any medium or large sized city. People were very comfortable with their hometown insurance office of choice. That all changed with the advent of the Internet."

I mean sure we don't have to leave our home now to get a simple insurance quote but at what cost? It appears we're making big companies bigger with our insatiable appetite for convenience. Has anyone looked at the ratio of those who were making a good income from small business as opposed to those making the money now dominating the industry via internet? I'm willing to say that the gap between the rich and the poor has definitely grown because of the convenience factor.

Its no wonder we're in a recession. We want more than what we can afford and we value convenience over the common good. I'm not saying the Internet is a bad idea. I love it. I am saying that a few companies should not control major financial interests for the masses. This hurts small business owners and ultimately hurts us all in the long run even though we have a short season of savings and convenience.

I will admit I too have given into the savings and convenience of the large companies. I mean why wouldn't I right. However, I think it would be more satisfying knowing that I was supporting some local business in my city rather than making a rich company richer. The problem is I must be willing to sacrifice a few extra dollars a month to do so. To me this is similar to tipping the local waitress at your favorite restaurant. It just feels good and somehow you are supporting her to go to school or move on to a better career.

Why is it then do we not view small business owners in the same light? Is it not a responsibility of each individual to care more about the good of all than just the good of ourselves. If we could do this without endangering our finances then why not? Capitalism serves a few but controls many.