And this attitude is why some people say the private sector is a more viable route.

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Shoddy service and high charges at banks are also among the reasons why some people say they prefer to use pawn shops when they need cash.

BBC: Pawn shops thrive as credit tightens

Some economists say the theory explains why many people don't feel great about their financial situations, despite statistical evidence of a very strong economy.

FORBES: Milton Friedman Dies

Then some people say, well, why are you always talking about parental responsibility in front of black folks? (Laughter and applause.) And I say, I talk about parent responsibility wherever I talk about education.

WHITEHOUSE: The Importance of Education Reform

But if health coverage is the huge concern that some say it is, and Healthy Howard has such a low price tag, why have so few people enrolled?

NPR: In New Model, County Offers Low-Cost Health Care