You're right, the states' government didn't have any representation, but that's because this is a government OF THE PEOPLE. Not OF THE GOVERNMENT of the people. There's a reason we elect our representatives directly, instead of having them be chosen by others at the state level. It's AMAZING how selective your reading can be when you put your mind to it, Chukpike.
Insurance has been regulated by the states from state to state. But not BETWEEN states. That's not allowed. Because we tried stuff like that once. We ended up with the Articles of Confederation, which basically made each state their own little country. It didn't turn out well, by the way.
I am just assuming, but since I pay taxes, I think I have some say in how everyone is taxed. But as far as the "lower upper class" is concerned, I dare say they've fared these economic hardships better than most.