Fuck Cars
A place to discuss problems of car centric infrastructure or how it hurts us all. Let's explore the bad world of Cars!
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Because an insurance is nothing more than a glorified bet. "I bet you that this year you won't crash your car. If I lose I pay you X. But next bet will be more expensive for you if I lose"
For the insured individual its a bet. Not for the insurer.
By pooling a bunch of bets the insurer isn't gambling any more. They know (more or less), how much they'll have to pay out. Then can charge accordingly to know it'll work out.
Just like a casino.
MUCH like a casino.
There are subtle yet important differences, which are the reason why casinos are largely illegal, while insurance is often required.
Tell me the difference:
One provides a useful function that more often than not protects people when things go to shit.
The other tries to make people into addicts and turn their lives to shit.
Protects people... if they can't find a way to skip it.
Does a casino ever provide a beneficial service?
Or are you still saying they're the same?
Sometimes you go out with a little more money π€·ββοΈ
If I don't crash this year should it not become less expensive for me next years bet?
Insurance: "During these difficult times..."