> gMoney wrote:
>> This is essentially Dana's 'externalities' argument for polluters:
>> you're able to impose costs on the system as whole through your choice
>> of "profitable" activity without ever paying those costs yourself.
>
> Bull!
>
> By the time I am done paying into insurance, I will have contributed FAR
> more money than I have used.
>

Yeah, but that's not why you're paying insurance, otherwise you could
just self-insure.

You're paying a monthly premium (or foregoing salary) to protect
against a huge cost you can't afford; same reason you have homeowners,
car, etc.

Each month you've paid for risk protection and you've received it,
which means at the end of each month you're accounts with your
insurance companies are settled.

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