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flabberghaster wrote

Reply to Math is important because I was radicalized about insurance when I learned math by twovests

Even simpler from that, my understanding of it was: Insurance is a risk pool. Everyone pays a certain amount in to a pot of money, and then if they need money from it they get to take a little bit to pay for what they need. That way everyone pays a little bit, and then usually most people don't need it because most people don't get badly injured or very sick very often, so there's supposed to be enough money when someone does.

but wait, if you think about it, if there's just one person paying in to that pot of money, it's not likely to have very much in it if a disaster happens. If there's two people paying in to it, it should have a bit more in it, so what if you and everyone in your household paid in to one? That's more money in the pool, but what happens if something happens that affects everyone in your house? So what if we get everyone on the block to pay in? That way if any one house on the block is affected, collectively there's enough there to help. But wait what if there's like a flood and the whole block is injured or damaged? So what if we got everyone in the town to pay in? The larger your risk pool and the more people are paying in to it, the more money it has and the more the risk is spread out across the population.

So the logical conclusion is shouldn't everyone pay in to one single risk pool?

No that's socialism.

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cowloom wrote

Reply to comment by WRETCHEDSORCERESS in set up a radio :) by WRETCHEDSORCERESS

I know! I miss being able to press a button and instantly hear jazz. Now I have to press a button while I have a Wi-Fi connection to get instant jazz, and that's just a smooth jazz internet radio station. I miss my jazz fusion.

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flabberghaster wrote

Reply to Kevin Can F**k Himself -- Worcester, Alcohol abuse, White Feminism, and Spoilers by twovests

Yeah I liked how almost every time Kevin shows up, it becomes a sitcom. He just takes over the entire world when he's around, except for one single time, when she she's gonna divorce him and he's finally out of power. Late in that season everyone finally started to leave him and that was kind of the last straw. It was cool, pretty well done.

I didn't really get the drug dealing thing. Tammy's really the entire neighborhood's plug and doesn't realize it? What's going on here?

I wish I had something smarter to say about it but this review is really good, thank you.

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