Instruct: Classify Amazon reviews into positive or negative sentiment
Query: Overall not very convincing

Whether it is home value insurance or other improvements that Shiller offers to fix the market, the one question that Shiller never deals with is why those policies don't already exist. He simply assumes that he is smarter than the market and that others have made mistakes in not offering these options. Might there be moral hazard problems in home value insurance? No discussion is offered. This approach of simply asserting an "optimal" arrangement without really asking why it doesn't exist if it is so "optimal" is something that infects a lot of economics, but you would think that if a service is so valuable the first question would be "why doesn't the market already provide this?" Instead Shiller's presumption that he is so smart.