The first is the set of people that have been doing the job all along. The second is the Federal government. The first has a fantastic, but not spotless, track record of delivering better health care to more people for less money than any other health care system in the world. Pretty impressive, but our responsibility demands that we consider the other contender. They were put in charge of the education system, and thus far results have been terrible.
Grades are dropping, test scores are at an all time low, and school yard violence is up.
The government was placed in charge of retirement. They keep telling us social security needs saving. They tell us it will go broke, and they will not be able to live up to the pathetically modest promises they made years ago. The money they hold in trust is earning a dismal rate far below even a straight SNP index fund. In short they have been negligent in their fiduciary responsibilities.