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>Why can't the business suffer losses instead of everyone pay subsidies?

Because the old model of coal power plants makes people pay in other ways (pollution). Subsidies are reasonable if it means that the negative externalities are diminished.

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So let’s subsidize nuclear instead. Far more efficient than millions of people buying solar panels. Properly designed nuclear is proven technology.

You’re creating a bit of a false dichotomy here. There’s absolutely methods and reason to subsidize both forms of power. Both would be a vast improvement over coal/petroleum.

Let's do both.

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