It goes deeper than that. Insurance is the last in a long list of issues we must address first. Rather than repeat things here, please read the comment I just

It goes deeper than that. Insurance is the last in a long list of issues we must address first. Rather than repeat things here, please read the comment I just posted here: https://news.ycombinator.com/item?id=22671872 https://news.ycombinator.com/item?id=22671872