Upon close examination it's quite apparent that Mutual Insurance Companies are the best method to address risk without moral issues, I think, whereas most of th

Upon close examination it's quite apparent that Mutual Insurance Companies are the best method to address risk without moral issues, I think, whereas most of the for-profit industry is so ridiculously in bed with regulators it's awash in essentially government-approved profit margins with any decent level of underwriting discipline. Quite fascinating. I support having coverage for things like Health and Property but what a bizarre setup we have in the US.