I think in insurance, there should be two separate pools of money, one for the insurance fund itself, and the other for managing the fund (management of the ris

I think in insurance, there should be two separate pools of money, one for the insurance fund itself, and the other for managing the fund (management of the risk model) and making profits for the owners of the insurance company. These should be separate items on your insurance bill, and no money should ever cross the line from one pool to another.