If everyone pays for the things that are not their own fault, then the playing field is leveled. Then the things that are their own fault come into play, and t

If everyone pays for the things that are not their own fault, then the playing field is leveled. Then the things that are their own fault come into play, and those parties who were hit by the common problems AND their own problems will suffer more than those who didn't have their own problems (or had smaller self inflicted problems). Seems this is the way it should be.