Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

The American Enterprise

A Contrarian’s Look at America’s Enterprise—Economy, Government, and Leadership—Minus the Public-Relations Gloss.

Dan's unique perspective on the economy, the government, and our country's leadership is not commonly found in mainstream media. Designed to enlighten and engage you with what he believes is a refreshing dose of truth, his articles challenge the narratives often presented by mainstream media and encourage critical thinking about the state of our country's enterprise.

Dan offers workarounds and solutions when possible. His aim is to provide actionable solutions to the challenges we may face in these areas.

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How the Federal Reserve System Plunders the American Taxpayer

The Federal Reserve was established in 1913 under the Federal Reserve Act, following a series of banking panics, most notably the Panic of 1907. Its stated purpose was to stabilize the financial system, provide an elastic currency, and act as a lender of last resort. Over time, however, its policies have evolved into mechanisms that critics argue quietly transfer wealth from ordinary Americans to the government and financial elites. This “plunder” doesn’t happen through overt taxation—it occurs through monetary policy, inflation, and systemic favoritism.

The U.S. Electric Vehicle (EV) Market is hitting a Rough Patch, and the Reasons are Clear:

The expiration of federal tax credits, high upfront costs, and persistent infrastructure gaps have triggered a sharp slowdown in demand. The Impact of these factors is not to be underestimated, as they have significantly altered the market dynamics. Social engineering only works when it continues to manipulate the public into thinking they are gaining benefits and preferential treatment. Once reality sets in that the benefits were only temporary, then the business adjusts back to market-driven economics.

The EV Bust: How Policy Shifts and Consumer Fatigue Sparked a Market Correction

The Policy Whiplash Government incentives were the backbone of EV adoption in the U.S. For years, tax credits and state rebates have narrowed the price gap, signaling a long-term commitment to electrification. When those incentives expired in late 2025, the market lost its safety net overnight. Automakers had scaled production based on a demand curve that assumed continued policy support—only to face a sudden cliff.

California’s 2025 Legislative Reset: Housing Density Meets AI Accountability

California’s 2025 legislative session was historic. Governor Gavin Newsom signed 794 bills into Law, vetoing 123 others, in a sweeping effort to address the structural challenges facing the state. Among these, two policy areas stand out for their transformative potential: housing reform and the regulation of artificial intelligence. These initiatives not only address immediate crises, such as affordability and tech ethics, but also set a precedent for national policy debates.

794 legislative bills signed into Law: Governor Gavin Newsom- 2025, spanning a Wide Range of Policy Areas.

The Governor never met a new regulation designed to control every element of human experience that he didn’t like. The control in California of the human experience moves one step further toward the Communist Chinese Party experiment. Tax, regulate, and provide a safety net for those who don’t want to work. They will come in groups, and I will maintain control over them. They will vote for me because I represent a life-line hammock.