In any large scale (ie, too large for social sanctions to work) cost or risk sharing system, the careful and competent get screwed over to benefit the sloppy an

In any large scale (ie, too large for social sanctions to work) cost or risk sharing system, the careful and competent get screwed over to benefit the sloppy and stupid. Large scale insurance schemes were where I first noticed this. And during one of the French Republics, Bastiat wrote in his classic "The State"; "Government is that great fictitious entity by which everyone seeks to live at the expense of everyone else."