How can VISA notice a suspicious charge to my account, freeze my card, call me up to let me know about it, and then mail me a brand new credit card within 3 business days…….yet the Obama administration and the entire US government (with trillions of dollars in unlimitted resources) can’t figure out how to keep a suspected terrorist who’s father warned officials of his sons intentions weeks ago, from boarding a plane with explosives and no passport?

Good point. I think you nailed it. The private industry has and will continue to do things better, cheaper, and more efficiently than the government.