> Insurance is NOT a financial instrument. Insurance is supposed to be a safety mechanism that protects you if something bad happens. Insurance is fundamentall

> Insurance is NOT a financial instrument. Insurance is supposed to be a safety mechanism that protects you if something bad happens. Insurance is fundamentally a financial construct designed to manage risk. And if it's priced too low, it cannot function as a safety mechanism. Funds will be exhausted, and nobody will get their safety. Where you see kindness, I see financial malfeasance of the sort that undermines the very goal of the thing.