> it's definitely not insurance. Do you ....know what insurance is? Optimization based on feature of the population is not part of the definition. If a milli

> it's definitely not insurance. Do you ....know what insurance is? Optimization based on feature of the population is not part of the definition. If a million people all paid into a pool that would cover any one of them if they got sick, and they all paid the premium, that would still be insurance.