[This is Chapter Nine of Murphey’s book The Emerging Crisis of Economic Displacement.]

 

                                                                   Chapter Nine

 

                                   THE POLARIZING OF INCOME AND WEALTH

 

            In Chapter 7 we saw that prominent free-market economists have acknowledged trends that are vital in our analysis in the present chapter: 

            . that a long-term decline has occurred in the real wages of the bottom half of the U.S. population;

            . that this is consistent with what economic theory would predict under the conditions of the world market;

            . that open trade with low-wage countries will lower wages in the advanced economies;

            . that immigration from low-wage countries also brings down wages in the advanced economies; and

            . that an income gap exists and is widening.

            I also discussed how the marginalizing of most work, and the polarizing of income and wealth in place of mass unemployment, may be the form displacement takes in the developed countries.  But either unemployment or polarization has severe implications for a free society.  We will discuss those implications in later chapters in connection with the conceptual issues about social organization.

            This chapter will be like the preceding one in that it will look at the present and the immediate past to see what has happened so far.  We have already seen that work is being marginalized, even in the beginning stages of downsizing.  Now we will notice the extent to which the acknowledged trends that are listed above are already coming true about polarity.

            On virtually all the points we discuss in the present chapter, there will be thinkers devoted to the free-market who contest the point, citing statistics intended to show that the market is proceeding without meaningful polarity.  As with similar observations we have noted so far, it is probable that the particular facts they cite are correct, since these commentators are both competent and credible.  The question that everyone, including the stalwarts themselves, will need to ask is whether those data tell the whole story, especially in light of the fact that the world is just getting started with the forces that are producing the polarization.  Obviously, they don't tell everything, since their thrust isn't consistent with the trends listed that free-market economists acknowledge or with the developments that economic theory suggests should be happening. 

 

            "What we are looking at in every country," Rifkin says, "is the creation of a two-tiered society -- the haves and the have-nots.  The top 20%, the knowledge workers, are growing increasingly affluent...They are a new cosmopolitan elite.  The bottom 80% of the work force are the blue- and white-collar workers -- the core of the middle class -- who are becoming increasingly marginalized.  They see their wages declining as productivity rises."[1]

            Charles Murray and Richard Herrnstein were deeply concerned in The Bell Curve about the rise of a "cognitive elite" at one end of society and a menacing underclass at the other.  "Our thesis is that it used to be easier for people who are low in ability to find a valued place than it is now... [W]ith technological advances, the niches for the less intelligent have shrunk... From their high point in 1973, the median earnings of full-time workers in general nonfarm labor had fallen by 36 percent by 1990."[2]

            Richard Freeman in the Harvard Business Review says that "from U.S. secretary of labor Robert Reich on the left to presidential candidate Patrick Buchanan on the right, and from the business press to the mass media, comes the message that something is wrong with the U.S. economy.  That something is not the country's productivity, technological leadership, or rate of economic growth ... [It is] the distribution of the fruits of economic progress.  For many, the rise of AT&T's stock after it announced plans to lay off 40,000 employees crystallized the picture of an economy gone haywire."[3]

            Economist Rudi Dornbusch of M.I.T. said in 1995 that "since the early 1970s, the economy has failed to deliver broad-based income gains.  Even though the economy has grown steadily, the average American family is basically where it was 20 years ago.  Poverty rates have increased, and the economic foundation of the middle class is being eroded."[4]

           

            The counter-view (at least speaking of the 1980s and of absolute rather than relative incomes) is presented by Richard McKenzie, adjunct scholar at the Center for the Study of American Business, when he says, according to a Heritage Foundation summary, that "the distribution of consumer expenditure statistics confirms the view that all income groups got richer during the 1980s."  The Heritage book announcements tell us that David R. Henderson, a Hoover Senior Research Fellow, makes the same point: "that most families, from high income to low income, saw their incomes increase during the 1980s."[5] 

            Compare, however, what former Republican strategist Kevin Phillips had to say in 1993: "By the early 1990s... only the skilled 25 percent, the college-educated, had middle-class opportunities.  Huge numbers of others found themselves caught up in what some called the K-Mart Economy -- low-paid employment in retail stores, discount centers, back offices and fast-food emporia... In terms of real purchasing power, the earnings of a typical thirty-year-old high school graduate of 1991 bought about 20 percent less than the earnings of his counterpart of 1973."[6]

           

 

                                                     Income: Those at the high end

 

            The incomes within certain segments of American society are rising rapidly.  My review of the facts about the rise certainly won't be to encourage class envy, as such presentations often do, but to lay a foundation for the conceptual issues we will discuss later.  Nevertheless, class envy will predictably heat up in the United States within the foreseeable future, and will be fanned by ideologues understandably expressing one or more rationales for it, unless we as a society sensibly address the polarity issue.

            Here are the areas that have been doing especially well:

            .  Growing corporate profits.  Although profit margins in recent years have been below the 10 percent of GNP they averaged between 1940 and 1970, they have been increasing rapidly relative to workers' incomes.  In late 1996, The Economist told how "over the past three years America's corporate profits have risen by an annual average of 13%, while wages have risen... 3% a year."[7]  A news report in April 1997 said "profits surged 23.3 percent at Fortune 500 companies in 1996," and explained that "it was the fourth straight year of strong profit gains among companies ranked in Fortune's annual listing... The surge in profits was far greater than worker income gains."[8]  High corporate profits aren't a given, however; William Greider speaks of the competitive squeeze on business firms and the resulting "threat of weak profits and capital shortages."[9]

            .  Investors' return on capital.  Greider poses "an obvious question: If labor lost wage incomes and corporations lost profitability, who got the money?  The answer, roughly speaking, is the owners of financial capital."[10]  In the article just referred to in 1996, The Economist gave the same answer: "Most of the extra income generated by IT [information technology] and globalization is going straight to the owners of capital."[11]   This is confirmed, also, by Business Week, which in April 1996 wrote that "in the 1990s, the balance has tilted radically in the direction of the investor, outweighing other stakeholder interests, particularly those of employees."[12]           

            Economist Frederick Strobel speaks in terms of people whose incomes are "capital-enhanced" as distinguished from those who are "labor-dependent," and says the former are gradually gaining ascendancy over the latter.[13]  There are major reasons this is occurring: technology is becoming ever more productive and workers are coming to compete with an enormous worldwide low-pay labor pool.  Wallace Peterson points to "the faster growth in income from property--interest, dividends, rents--in the 1980s than in income from work."[14]  Writing in 1996, Lowell Bryan and Diana Farrell predict that the next few years will bring great profit from equity investment.[15]

            That the profits from the world economy are going to equity owners and the holders of debt will in later chapters provide us the basis for the solution that I call "a shared market economy."  Both the continued vigor of the market system and overcoming the problem of polarization depend upon attaining a widely dispersed ownership of capital -- i.e., of the enormously productive economy as a whole with its burgeoning technology. 

            It is in this context that it matters greatly how much of the world's capital assets a country's citizens own.  Economists often minimize the impact of foreign ownership of American income-producing assets,[16] but the net ownership by a country's own citizens of such assets both domestically and abroad is extremely important if income-flow from capital is to play a primary role.  It will make a lot of difference to whom the income flows.

            In his testimony before Congress on February 26, 1997, Federal Reserve chairman Alan Greenspan reported that "rates of return on capital have risen to high levels" and that there has been a "more than $4 trillion rise in equity values since late 1994."[17]  Greenspan's figure up-dates the one given by Business Week in late 1995 when it said that "over the past five years, the value of equities and mutual funds held by households has jumped by $2.4 trillion, to $4.5 trillion."[18]  The growth in equity has occurred not simply in stocks; those who owned a home, real estate or other fixed assets during the years of high inflation also saw their equity shoot up. 

            .  Those who inherit.  The next time you fly over a continent such as North America, remind yourself that everything you see below you is, in its replenished form as some of it wears out or becomes obsolete, in the process of passing from one generation to another within a few short years.  If ownership of income-producing property is to be a preeminent source of income, one of the segments of society that will do especially well will be the inheritors of that property.  In her 1993 study of intergenerational social mobility in a suburban community, anthropologist Katherine Newman said "today's newcomer to this quiet, leafy, gentrified town has a six-figure salary, inherited wealth, or a hefty sum drawn from equity in a previous house."[19]         Executives' compensation.  Polarization is nowhere more evident than in the growing spread between executives' compensation and the wages paid to employees.  Kevin Phillips says that "by 1990 corporate chief executives, whose 1980 compensation had been 30 to 40 times higher than that of their average worker, were being paid sums 130 to 140 times greater."[20]  A news report in April 1997 indicates the spread has widened even more: "The average CEO made 209 times the pay of factory workers in 1996.  That's way up from 1980, when CEO's made 42 times as much as factory workers.  According to Business Week's just-released executive-pay scoreboard,... average CEO compensation -- salary, bonus and long-term compensation such as stock options -- skyrocketed 54 percent [in 1996], reaching $5,781,300.  That comes to $15,839 a day, including weekends...That's not even counting CEO perks like luxury travel, company-paid residences, vacation retreats, country club memberships and so on."  The highest-paid was Lawrence Coss of Green Tree Financial Corporation, who made $102 million.  Andrew Grove of Intel made $97.6 million (at the same time the state of New Mexico gave Intel $114 million in tax credits and other assistance).[21]

            The compensation is not necessarily pegged to performance.  In 1990, according to Business Week, the salary of the CEO of ITT doubled to $11.4 million even though the company's share price fell by 20 percent and its income from operations by 30 percent.[22]  Business Week told in 1996 how "the CEOs of the 20 companies with the largest announced layoffs last year saw their salaries and bonuses jump by 25%, well above the average.  Add the value of new stock-option packages...."[23]  Many of the top corporate officers have "golden parachutes" designed to pay them handsomely if things don't go well.  A news article in October 1996 says "in many cases where a company has gone bankrupt, top executives ended up getting their deferred [compensation] money even as less powerful managers and rank-and-file workers lost some of their savings."[24]  [I have added the italics throughout this paragraph.]

            It's noteworthy that so staunch a free-market economist as Murray Weidenbaum finds discomfiting "the unfortunate coincidence between the rising uncertainty and belt-tightening that is facing most corporate employees and the increasingly generous compensation packages and the security in the form of ‘golden parachutes' that are granted to the most senior executives."[25]  A similar incongruity can be seen in the move by thousands of businesses to establish deferred compensation funds for executives, upon which no taxes are paid until the executive takes the money out in some future year.  A New York Times News Service report says this "is spreading quickly, even as half the private work force has no retirement benefits and many companies have been trimming pension benefits for rank-and-file workers."[26]

            Those of us who detest class envy will have to ponder these facts rather than simply be angry at the class-envy demagogues who will inevitably spring up to take advantage of them.  "Demagogues" may not be the right word; there will be more than simple opportunism underlying what they are saying.

            .  Highly paid workers.  Before I cite comparisons of salaries demonstrating that there is an extremely well-remunerated stratum of employees, recall my warnings in Chapter 5 that many statistics relating to this sort of thing are colored by such issues as inclusion, exclusion, measurement and timing.  I give them here because they add texture and lend a reality that generalizations don't convey.  Their validity is best judged, however, by whether they are consistent with the trends that virtually all economists acknowledge.

            Barlett and Steele cite income tax figures for the comparison that in 1959 the top 4 percent of U.S. workers made salaries and wages equal to what was earned by the bottom 35 percent of workers -- and that by 1989 this had changed to where the same top 4 percent made as much as the bottom 51 percent.[27]  Along the same lines, Robert Reich analyzes after-tax income for 1989, and reports that the top 20 percent of the American people ("mostly comprising symbolic analysts") received "more than the other four-fifths of the population combined."[28]  Business Week said in 1994, "here's one clue to the future.  The Bureau of Labor Statistics' occupational forecast for the year 2005.  Notice which jobs are gaining: professional, managerial, and technical--high wages, high skills.  What's losing: crafts and operators and laborers...Service workers--that low-pay catch-all... -- will gain 6.4 million jobs."[29]  This is consistent with Herrnstein and Murray's warning about a developing "caste society" with "an increasingly isolated cognitive elite; a merging of the cognitive elite with the affluent; and a deteriorating quality of life for people at the bottom end."[30] 

            The bifurcation has been augmented by the development of fringe benefits, which the Hudson Institute says mostly go to middle-and high-income employees.  The Institute says that "between 1973 and 1985, fringe benefits (in 1985 dollars) rose by $150 billion, or 4 percent per year.  Wages, on the other hand, rose only 1.1 percent per year."[31]  Fringe benefits extend the polarization for workers who receive them.  We know, of course, that in the drive to cut costs firms are desperately seeking to marginalize as many workers as possible into contract-labor that carries no benefits.

            An exaggerated confidence is often expressed in the literature that "gaining high skills" is each individual's best personal  solution.  Certainly from someone's standpoint today it is worth striving to be among the top 20 percent, or 4 percent as the case may be, if the individual has the intelligence, energy and aptitude.  What none of these data yet reflect, however, is the impending competition from high-skill, low-pay workers, professional and technical, all over the world, whose services can be obtained either electronically at a distance or by moving capital investment to them.  Nor do the data reflect the impending displacement of many of these high-skill workers by increasingly "user-friendly" and self-regulated technology.  As these things occur, education and high skill will cease to pay nearly so great a premium, except to a select few.  If a large number of people are to plug into the economy's income-stream, they will have to do it in ways other than highly-skilled or professional employment.  But that is looking ahead; in the immediate past, and probably for the near-term future, such people have done and will do extremely well.  The opportunities for them seem greater today than they have ever been.

            .  The "winner-take-all" phenomenon in mass markets.  A phenomenon that we see constantly is that vast fortunes are being earned by individuals and firms who "hit it right" in the mass global market.  Michael Jackson, Madonna, George Foreman (who recently topped $100 million in earnings from his boxing career), and even the people who thought up "Beenie Babies" in 1997 or, a while back, "Cabbage Patch dolls" or, earlier yet, "pet rocks," earn fabulous sums.  The reason for it is well-stated in Robert Frank and Philip Cook's book The Winner-Take-All Society.  In a mass market, they say, "small increments of talent have great value, and may be greatly rewarded as a result of the normal competitive market process.  This insight lies at the core of our alternative explanation of growing earnings inequality."  What has happened is that "the salaries of top performers have grown explosively even as most people have struggled to hold their own."  They quote "Rabo Karabekian, the protagonist of Kurt Vonnegut's novel Bluebeard," who explains: "Simply moderate giftedness has been made worthless...Modern communications has [sic] put him or her into daily competition with nothing but the world's champions...The entire planet can get along nicely now with maybe a dozen champion performers in each area of human giftedness."[32]

            This doesn't mean that people won't continue to enjoy such things as melodramas performed by local talent, or their own city's symphony orchestra even though they could stay home and listen to the London Philharmonic.  But the shift is definitely present, and will grow as the world becomes more and more "electronically wired" (an apt expression but perhaps a misnomer, since wires may soon become a thing of the past).   

 

                                             Income: for many, stagnation or decline

 

            As will become apparent, the question of what has happened with the bottom 80 percent of the American people leads into a statistical quagmire.  As a guide, however, we should remember what the Foundation for Economic Education's Hans Sennholz, one of those who is most stalwart in defense of the free market, was quoted in Chapter 7 as having acknowledged in late 1996: "No matter how you may gather the data, the gap between the most affluent Americans and everyone else is widening.  According to a Census Bureau report, the share of national income going to the top 20 percent of households increased from 40.5 percent to 46.9 percent between 1968 and 1994.  Since 1994 the trend has even accelerated.  At the present rate of growth, the top 20 percent of households may soon earn more than one-half of national income."[33]

            This is why Wallace Peterson named his 1994 book Silent Depression.  He says: "The word ‘depression'... is the appropriate label for our condition because, first, the downturn has continued for such a long period of time -- twenty years -- and also because from three-fourths to four-fifths of Americans saw the American dream slipping away from their grasp at one time or another during these years.  This depression is silent because there is none of the sound and fury that come with a major crash such as the one in 1929; much of the public, the press, and people in the government sense that something has indeed gone wrong, but they are unsure of exactly what it is."[34]

            The thesis is supported by Business Week, which said in late 1995 that "over the past two decades, real wages have been virtually flat, and the productivity-led recovery of the 1990s hasn't improved the situation... [I]ncome equality is rising."  The article says this despite recognizing that if the data are overstating inflation, workers are doing better than the wage data show.[35]  Alan Tonelson of the U.S. Business and Industrial Council Educational Foundation confirmed the point about the 1990s in a letter to the Washington Post in March 1996: "Between 1989 and 1994 alone, real median hourly wages rose only 0.8 percent for American women and plunged by 6.1 percent for American men."  He added that "for several decades, all the net new jobs created in the United States have been in non-trade service sectors...These sectors all pay much lower wages on average...."[36]  I have previously quoted Richard Freeman's late 1996 article in the Harvard Business Review.  This is what he says about the growing wage polarity: "In the past two decades, the country's normal high level of inequality, except in the category of gender, has jumped: Pay in the upper part of the earnings distribution has risen in comparison with pay in the lower part.  College graduates have gained in comparison with high school graduates or dropouts.  Older workers have gained in comparison with younger workers.  Professionals and executives have gained in comparison with clerical workers, machine operators, and laborers...These changes have occurred despite huge gains in employment... [T]he rising tide of inequality has been accompanied by stagnant real wages."[37]  A great many other sources could be cited that give similar information.

            One development in particular has kept the public's sense of crisis about this from being higher than it is.  Katherine Newman says that "the wholesale entry of women into the labor market is practically the only thing that kept the average middle-class family afloat.  With men's wages stagnating and the cost of living rising, it was women to the rescue.  The labor force participation rates of women twenty years of age and older rose from 43 percent in 1970 to 59 percent in 1992."[38]

           

            It is with regard to polarity, perhaps more than with anything else, that opposing commentators put the factual case in issue.  Despite Sennholz and other free-market devotees' acknowledgment of the underlying direction, many authors of similar persuasion present statistics to show either that well-being hasn't really stagnated for the average American or that the data underlying the case for stagnation are faulty:

            .  Much of the counter-data are used to defend the economic record of the Reagan administration against attacks from the Left. (This is important, but we should realize that it is a lesser-included issue in the much broader time-sweep since 1973.)  Edwin Rubenstein, whom we know as the statistical columnist for National Review, says "the economic policies presided over by President Reagan were stunningly successful."  He speaks of a "middle class boom" and argues that "remarkable upward mobility is the sole cause" of the middle class's having shrunk.  He speaks of "the myth of low-wage jobs" and calls "completely false" a report that "the number of working poor rose dramatically from 1979 to 1990."[39]  I can't do justice to his statistical points in a brief account, so the reader will be wise to study his book The Right Data for the complete statement of his findings. 

            .  UCLA economist William Allen asks just how unequal the income distribution really is, and says the appearance of a 6 to 1 ratio between the best-paid fifth of working families and the lowest-paid "greatly distorts reality" because it fails to take taxes into consideration, ignores "differences in sizes of families and in number of workers per family," and counts only cash income without including the non-cash government assistance that low-income families receive.[40]

            .  An article in American Enterprise says "income can actually be a somewhat misleading way of judging...It doesn't take into account that people often have a period of very low income where they live adequately off savings, or funds from other family members, sometimes for months or years at a time."  It recommends looking at what people consume, in which case "you find that the difference between America's top and bottom earners in actual consumption per person is only 2:1.  That's the difference between steak and hamburger, not lobster and catfood."[41]

            .  Hinderaker and Johnson have written what is perhaps the most comprehensive discussion of the inequality issue by those who contest it.  Their study has been widely reprinted.  They say that "the proposition that income inequality is a problem, and a growing one, has become a staple of the left."  They argue that "to a remarkable extent, differences in income relate directly to differences in work.  For the most part, upper-income American families do better than lower-income families because they work more."  Further: "All of the net statistical ‘decline' of the middle class was caused by its members moving into the higher income category...."   Oddly, without seeming to see what it shows, they set out a table of "real average family income since 1973" that indicates a drop in earnings for the bottom 40 percent and little upward change for the next highest 40 percent.  Only the top fifth shows a major increase.[42]  My marginal notes observe that, in my opinion, their article "raises more questions than it answers."

            The most important thing to notice about this statistical rebuttal of the trend toward more unequal income is that virtually all the specific points it makes may well be valid, and yet the increasing long-term polarity that Sennholz speaks of is nevertheless occurring.  The rebuttal directs us away from understanding the main trend and from seeing that a profound problem confronts the theory of a market economy.  Again, we are reminded of how, as Chapter 5 made clear, current economic statistics are a quagmire, and that if we get lost in them we will inevitably become Hamlet-like in our confusion and indecisiveness.  

 

            Before we conclude our discussion of income stagnation, several other facets need to be considered:

            .  Underemployment as a form of decline.  In the present context we should recall the underemployment and insecurity we saw in the preceding chapter.  Stagnation and decline often took forms other than a direct decline in pay: cut-backs in fringe benefits, such as pensions and health care; the shunting of people from one training program to another and from one temporary job to another; the early retirement of many who would like to continue working; the dropping-out of discouraged workers; the mismatching of jobs and skills.

            .  Impact on ordinary life.  Even though we are only in the beginning stages compared to what is to come, effects can be observed in the lives of the average American.  Kevin Kearns of the U.S. Business and Industrial Council says "the social impact on the United States has been widespread and often devastating.  A single wage earner has been unable to support a family for some years now.  To try to keep families afloat, millions of wives have joined the work force... The stress on individuals, marriages, children, schools, and communities is not something that economists measure... Our social cohesion has suffered greatly...."[43]  Business Week in mid-1995 reported that "consumer spending is chugging along at half the rate of the spend-happy 1980s...‘This is the weakest consumption cycle of the postwar period, which is largely a reflection of the wage slowdown,' says Joseph G. Carson, chief economist at Dean Witter, Discover & Co."[44] 

            Newman speaks of families' struggles to afford homes, now that prices are out of reach; of a generation that is the first since the 1930s "that can expect to have a lower standard of living than its parents"; of the sense that for the family to get by both spouses must work, and that children should be delayed because they are a luxury; of women's "marrying later, having fewer children, and bearing them much later in life than was characteristic of the 1950s."[45]  In late 1996, Otto Scott wrote that "real statistics tell us that the number of personal bankruptcies are at an all-time high, and rising at an unprecedented rate.  The amount of credit card debt is now equal to the national annual income of the people."[46]

            .  Decline of pension coverage.  What is happening to pensions?  In a chapter entitled "The Disappearing Pensions," Barlett and Steele in 1992 said that "for the first time, the percentage of workers who will receive a fixed monthly pension is steadily declining...Half of all workers have no pension plan at all...Workers in the private sector receive far smaller pensions than workers in local, state and federal governments...Most public pension plans are underfunded.  Guaranteed, to be sure, but underfunded nevertheless."  Significantly, "99 percent of the labor force works for businesses that do not adjust pensions yearly for inflation."[47]  Kevin Phillips, speaking of private retirement benefits, says that "as the 1990s began, firms across the United States were reducing benefits, terminating pension plans and failing to start new ones either because of financial pressures or because federal rules...were becoming increasingly expensive and complex...."   The percentage of workers covered was 55.7 in 1979, only 49 in 1990.[48]

            .  Millions who lack health insurance.  Barlett and Steele in 1992 mentioned "an estimated forty million Americans who have no medical insurance.   That does not take into account more millions who are underinsured."[49]  Those of us who have good health insurance have a hard time fathoming this; given the high cost of medical care, it means that those millions of people are just an accident or serious illness away from destitution.   

            .  Devastation of blacks.  Of course, the effect on the "average American" isn't the sole criterion.  It is impossible to say how much of the devastation American blacks have experienced since World War II and of the consequent social problems for American society as a whole are due to blacks' displacement first from southern agriculture and then from northern factory jobs.  Cause-and-effect becomes lost in a fog of contending causes, but without becoming an "economic determinist" (i.e., someone who tends to see economic causes as the only ones at work) one should never lose sight of severe economic dislocations.

            .  Rise of an underclass.  The situation with many blacks feeds into the problem of an "underclass."  In his 1997 book on the "new urban poor," William Julius Wilson says that "where jobs are scarce...and where there is a disruptive or degraded school life...,  many people eventually lose their feeling of connectedness to work in the formal economy...In the case of young people, they may grow up in an environment that lacks the idea of work as a central experience of adult life."  In black ghettos, he says, middle class and working class black families have moved away, and even black businesses have closed down.  There is increased drug trafficking and consumption, and so much violence, augmented by rapid-fire assault weapons, that there is a vastly increased murder rate among young black males.  The neighborhoods resemble a war zone, with abandoned and ruined buildings.  Sexual barbarism reigns and there is an extremely low rate of marriage.[50]

            Nor is the underclass limited to ghetto-mired blacks.  Murray and Herrnstein have a section on "the emerging white underclass," and predict that "sometime in the next few decades it seems likely that American whites will reach the point of conflagration."  They point especially to the rise of illegitimacy, which they see as a trigger.  The illegitimacy ratio among whites has been increasing rapidly in the United States, and in Britain has reached 32 percent "with no signs of slowing down."[51]

            In connection with an underclass, black and white, we confront another set of contradictory data.  Karl Zinsmeister, editor-in-chief of American Enterprise, writes optimistically that "government figures show that the poorest fifth of the U.S. population today consumes more than the typical family did in 1955."  (This is true, he says, despite the fact that "unskilled workers have fared worse than others."[52])  By way of contrast, Business Week says that "economic opportunity has been shrinking for so long now that families trapped at the bottom are beginning to show the attributes of a permanent lower class."  It points out that 70,000 soup kitchens "serve 26 million people a year, about 10 percent of the population."[53]  In its review of Rifkin's The End of Work, the Atlanta Business Chronicle said "the Census Bureau reports that the number of people working full time, but earning below the poverty level, rose by 50 percent between 1979 and 1992."[54]  Although he sees factors that mitigate the impact, Rubenstein says "there is no question that there has been a stubbornly large increase of people with very low incomes."[55]

            That there is such an underclass, and that it is increasing, amounts to a social cancer.  The underclass is quite different from the immigrant-poor of prior generations, people who were poor in the first generation but whose children rose out of poverty and saw their places taken by the next wave of immigrants.  The underclass, on the other hand, is composed of people who are mired in hopelessness and have personal characteristics to match.  George Schultz, former U.S. Secretary of State, speaks of this as a "group of people that I feel is growing in the United States... that are not really in this system.  They are in a system of crime and drugs, of no family attachments, and of gang attachments... They are in a different pattern, a different system... It is a threat to society...."[56]

            .  The possibility of growing indifference.  Herrnstein and Murray voiced a warning that needs most particularly to be taken seriously by American conservatives and libertarians: "We fear that a new kind of conservatism is becoming the dominant ideology of the affluent--not in the social tradition of an Edmund Burke or in the economic tradition of an Adam Smith but ‘conservatism' along Latin American lines, where to be conservative has often meant doing whatever is necessary to preserve the mansions on the hills from the menace of the slums below."[57]  I mention this as pertinent to the present context, but will mainly leave it to my later discussion of conceptual issues.  An indifference toward polarity has been accepted as natural in many societies and at most times in history; but it is utterly at odds with classical liberalism as best conceived.  This is another reason why a "market ideology," if too narrowly framed, is fundamentally inadequate to classical liberalism.

            .  The broken connection between productivity and earnings.  According to Ludwig von Mises in Human Action, economists reason  that "the height of wage rates for each kind of labor is determined by its marginal productivity."  If a gap comes to exist between the marginal productivity of labor and the prevailing wage rate, "there will be people eager to take advantage of the margin...Their demand for labor will bring wage rates back to the height conditioned by labor's marginal productivity."[58]  It is this reasoning that economist William Allen had in mind recently when he said "wages have grown rapidly during our nation's history because the productivity of labor has increased...By competing against one another to obtain greater quantities of labor made more valuable by more capital, businesses bid up the wages they pay."[59]

            There's nothing wrong with the theory as a good statement of a major premise, but it is important to realize that the minor premises don't exist to complete the syllogism.  First, the facts today make the gap so great that there is no real chance for the adjustment Mises and Allen talk about.  Productivity has been rising far beyond what the statistics show, and yet wages have remained stagnant or fallen.  Why?  Because of an immensely expanded labor pool--which is fast becoming a worldwide, not merely a local, pool.  The theory itself will tell us that an enormous  expansion in the supply of an "economic good" (which is what labor is in an economic sense) will bring its price down even if there is an increasing demand for it, unless the added demand is commensurate with the additional supply.  Second, the new technology certainly raises productivity, but its non-labor-intensivity offsets (perhaps more than offsets) the adjustment that Mises and Allen describe as business' "competing to obtain greater quantities of labor" to "take advantage of the margin."  The augmented productivity doesn't stimulate a commensurate demand for labor because it simultaneously makes labor unnecessary.   

            It is because of these things that Kevin Kearns spoke recently of "the de-linkage of wages from increases in productivity."  He says that "from 1972 onward, the productivity of the American worker has continued to rise.  In fact, in the last several years it has skyrocketed.  But real wages have continued to decline."[60]  Bryan and Farrell in Market Unbound: Unleashing Global Capitalism tell how between 1981 and 1991 in the automobile industry plants shut down and real hourly wages fell, even though productivity went up.[61]  In the Harvard Business Review, Schwab and Kaljian say "the whole phenomenon of delocalization [i.e., the seeking of the lowest costs worldwide] has broken the linkage that previously existed among high technology, high productivity, high quality, and high wages.  It was this linkage that once appeared to guarantee ever-improving standards of living in the industrialized countries.  Today, however, it is possible to have high technology, high productivity, high quality, and low wages" [their emphasis].[62]

            .  Effects on Europe.  It has often been observed that Europe has opted for welfare state supports for the unemployed rather than the competitive wage-competition typical of the United States.  Bryon Higgins at the Federal Reserve's 1994 Jackson Hole symposium told how "in most European countries" there has been "high structural unemployment, especially for low-skilled workers," with "much of the increased unemployment [not being] merely temporary."  "Employment protection legislation" has made "employers less willing to hire workers in the first place"; and "generous government payments to the jobless" have underwritten unemployment.[63]  At the same symposium Frans Andriessen said "the problem in Europe is that we are hardly able to create jobs.  Since 1960, the number of jobs in the United States grew by 84 percent, in Japan by 46 percent, and in Europe by a mere 6 percent."  He pointed to the effects of massive immigration of low-skilled workers and to a welfare state "system so generous that the incentive for the unemployed to look for a job has been substantially reduced, if not completely removed."[64]  In mid-1995 Anthony Harrigan cited a source that told that "in Britain wages are stagnating and that nearly 90 percent of new jobs in the U.K. are part-time."[65]

            .  Effects on Japan.  John P. Martin at the 1994 Jackson Hole symposium reported that "Japan has managed to keep recorded unemployment low, at between 1 and 3 percent, throughout the entire postwar period.  The current unemployment rate is around 3 percent.  But this understates significantly the true extent of labor market slack."[66]  In May 1995, Cato scholar Stanley Kober reinforced this when he said that "to improve their earning capacities, Japanese companies have to get their costs under control, and that means addressing the question of excess staffing.  Although Japan's low official unemployment rate--three percent in September, 1994 -- has been a source of domestic pride and foreign envy, former minister of trade and industry Hiroshi Kumagi has admitted that that number is misleading and conceals a lot of in-house unemployment.  He also has acknowledged that unemployment would have to rise as a consequence of restructuring."[67]

            .  World poverty and polarization.  Paul Kennedy tells how "after nearly five decades of unprecedented global economic growth, the world heads toward the twenty-first century with more than a billion people living in poverty [his emphasis] -- an awful enough figure until one realizes that those people are [defined as] people ‘struggling to survive on less than $370 a year,' not the billions...who live in countries like Botswana or Guatemala where the per capital GDP is a relatively satisfactory $750 or a comfortable $1,000 each year--levels that would horrify inhabitants of the ‘First' World."[68]

            These numbers will grow far worse as information age technology's displacement of work more and more hits the peoples of the less developed countries.  Harald Malmgren says "in the new technological environment, the traditional reliance of some nations on natural resources may turn into an economic nightmare."[69]  The poverty levels represent untold tragedy for the people directly involved.  For the peoples in the developed world, those levels create a threat of mass migration, challenging the very existence of the developed societies.  Moreover, in a relatively short time any talk of limiting the "proliferation" of nuclear, biological and chemical weapons of unlimited killing power will be a thing of the past; literally everyone, large and small, will have those weapons.  Our earlier discussion of the utopian potential from the new technology did not include an ability ever to ensure a universal perception that existing arrangements are just and right.  That day will never come. The world is such that even the most benevolent developments won't eradicate perceptions of injustice.  But the dangers posed by nuclear, biological and chemical weapons will be multiplied many times over if there are billions of desperate people.  None of this is affected in the least by the fact that world population has soared along with economic growth so that it is possible to say that the world's masses of people "are themselves at fault" for their plight.  In this book we are concerned not with "finding fault," but with analyzing the impending world situation and determining what can most constructively be done about it.

           

 

                                                           Wealth also polarizing

 

            So far, we have talked about income.  It should be apparent, too, though, that, unless there are offsetting factors, a vastly unequal distribution of income will result in vastly unequal wealth.  (Surprisingly, there has not been much discussion of the effects, now and prospective, on society.  Billions of dollars have been made in drug trafficking, for example.  What are the sociological effects?  Will that wealth become the "old money" of the next generation, with its holders being the social and political leaders of their time?  Similar questions apply just as much to the legitimate wealth piled up through the other enormous incomes.)  Will a rigid class (or "caste") system develop, perhaps headed by a worldwide elite?  And will it be an elite that sees itself as not particularly identifying with any one country? 

            In the United States, according to Wallace Peterson, "in 1989 the top 1 percent of families owned 49.4 percent of common stocks and 78.9 percent of bonds, public and private.  The lower 90 percent owned only 14.6 percent of stocks and even less of bonds, 6.5 percent.  Of business assets, 61.9 percent were owned by the top 1 percent, and another 29.1 percent by the next 9 percent of families, leaving only 9.0 percent owned by the lower 90 percent of families."[70]  The April 1997 news report that told of CEO compensation said that "today, the top 1 percent a families have an astonishing 42 percent of American wealth--double what they had in 1972."[71]

            Retirement stock funds have become the public's most significant asset, but surprisingly most Americans aren't involved with them.  In 1995, Business Week reported that "over the past five years, the value of equities and mutual funds held by households has jumped by $2.4 trillion, to $4.5 trillion."[72]  Economist Robert Kuttner a year later reported that the percentage of American households holding stock, directly or through institutions, increased to 37 percent in 1992 compared to 33 percent in 1983.  He observed, however, that "most of these holdings were small potatoes.  The top 5% of all households owned fully 77% of equity holdings, including individual shares, defined-contribution pension funds, IRAs, Keoghs, 401(k)s and the like, and mutual funds... The bottom 80%... owned just 1.8% of the total value."[73]  Compare how revealing these details are when put next to a late 1996 report that says optimistically that "more than 50 percent of all Americans now own stock."[74]  This 50 percent figure is somewhat incongruous, since in March 1996 Business Week spoke of "the approximately 20% of the workforce who own stocks or have 401(k)s"[75] and in late 1995 American Enterprise said 21 percent of American households own stocks.[76]

            If the public in general were beginning to hold shares in stock funds, the picture would look very different than it does.  As a college professor, I am allowed under the tax laws to put 17 percent of my income into tax-deferred retirement investments. I have long assumed that everyone else has been given the same opportunity.  But that just isn't so.  Legislative decisions about taxes in the United States have been surprisingly divorced from considerations of fairness and equal opportunity in establishing such perquisites.  Favorable treatment has been abundant for some and virtually non-existent for most others.

 

 

                                     The technology and displacement's other impacts

 

            Little in the world as we have known it will be unchanged by the forces now at work.  If I may be allowed to broaden our scope again to go beyond polarization (which is otherwise the subject of this chapter), here are some of the additional areas of impact commented on in the literature:

            .  Changing values and lifestyles.  In 1970 Alvin Toffler looked ahead to "rising affluence and transience," which he said will "ruthlessly undercut the old urge to possess."  In place of possessions, "consumers begin to collect experiences as consciously and passionately as they once collected things."  What did he speculate the effects might be?  "Serial marriage -- a pattern of successive temporary marriages--is cut to order for the Age of Transience."  He predicted a great variety of choice; few roots, but many niches; a cracking-up of consensus, without a new one forming; and the rise of many subcults.