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Notes -
Sort of, yes? Back in the day, people had 'informal insurance' from community. If one person's barn burned down, lots of folks in their community would come help them rebuild it, "spending" at least their time to pay for someone else's loss. They community helped, because they thought that "someone else" should "pay" for it, and they were all the "someone else". Financialized insurance formalizes this and abstracts it away from individuals having to spend their own personal time to help someone else who rolled snake eyes, chipping in by a small monetary amount, in exchange for the belief that they will in turn receive the same help if they roll snake eyes.
A big part of the issue is that this formalization and separation from the community aspect, combined with terrible beliefs about redistributive government, caused folks to realize that this is yet another area where if they just control the powers of government, they can free ride and force others to pay for them while giving nothing in return.
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