Social Darwinism, or destructive competition as a means of maintaining society, is an ethically bankrupt ideology and one the U.S. must abandon to remain competitive. "Too often in the United States, co-opetition is conflated with destructive, lowest-common-denominator competition, which has led to predatory lending, underregulated capital markets, and our costly and ineffective health care system. Our counterparts abroad, however, have more prudently (and prosperously) distinguished them."