When government gets involved, it reduces or eliminates competition. Without competition, an entity can increase prices and reduce quality without worry. One of many examples is flood insurance. The federal government, in 1968, created the National Flood Insurance Program to compete in the private market. Today, the NFIP provides nearly all flood insurance in the United States; many major carriers do not offer flood insurance. The cost is much higher and as is the case with all government, the service level is poor.