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Very few people hate having insurance in case of accidents but a lot of people hate having guns stuck in their back and told to pay up for other people. I pay

Very few people hate having insurance in case of accidents but a lot of people hate having guns stuck in their back and told to pay up for other people. I pay a rate based on my risk factors which I actively work to maintain as low as possible. I don't want to be forced to pay for every reckless idiot in my country (of which there are too many to count). But I also hate non-voluntary anything, so I'm weird.

forgetfreeman 2y ago
And without exception the folks fixated on the notion they're paying the way for someone else fail to grasp, on the most fundamental level, the notion of a public good. There are days where I think it'd be amusing to suspend federal and state law in the Dakotas just to see how long it took before regional warlords took over.
- latency-guy2 2y ago
  No such thing as public bads I suppose.
TylerE 2y ago
Those reckless idiots destroy your property so you’re paying for them anyway.
MajimasEyepatch 2y ago
Imagine a world where only the people like you can be insured. Everyone else, “of which there are too many to count,” has to go without insurance because they can’t get approved or the premiums are so insane they can’t afford it. Some of those people may take it to heart and change their behavior, but some will not. Now imagine one of those uninsured people causes an accident, and you get seriously injured. You sue, but this person is broke as a joke, so you never manage to get anything meaningful back. In fact, you probably wouldn’t even be able to get a lawyer to take your case, since they know they wouldn’t even be able to collect enough to cover their fees. That’s why you “have to pay for every ridiculous idiot.” I suppose could round them all up and put them in camps, and then your premiums would be lower. Or consider major medical insurance. Before the ACA, in the US, people with pre-existing conditions couldn’t get individual health insurance, or if they did, it was incredibly expensive. These people didn’t necessarily do anything wrong, but their healthcare costs were higher than any individual could reasonably afford. Did they not deserve healthcare?

forgetfreeman 2y ago

And without exception the folks fixated on the notion they're paying the way for someone else fail to grasp, on the most fundamental level, the notion of a public good. There are days where I think it'd be amusing to suspend federal and state law in the Dakotas just to see how long it took before regional warlords took over.

latency-guy2 2y ago
No such thing as public bads I suppose.

TylerE 2y ago

Those reckless idiots destroy your property so you’re paying for them anyway.

MajimasEyepatch 2y ago

Imagine a world where only the people like you can be insured. Everyone else, “of which there are too many to count,” has to go without insurance because they can’t get approved or the premiums are so insane they can’t afford it. Some of those people may take it to heart and change their behavior, but some will not. Now imagine one of those uninsured people causes an accident, and you get seriously injured. You sue, but this person is broke as a joke, so you never manage to get anything meaningful back. In fact, you probably wouldn’t even be able to get a lawyer to take your case, since they know they wouldn’t even be able to collect enough to cover their fees. That’s why you “have to pay for every ridiculous idiot.” I suppose could round them all up and put them in camps, and then your premiums would be lower. Or consider major medical insurance. Before the ACA, in the US, people with pre-existing conditions couldn’t get individual health insurance, or if they did, it was incredibly expensive. These people didn’t necessarily do anything wrong, but their healthcare costs were higher than any individual could reasonably afford. Did they not deserve healthcare?