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General Discussion / Re: Mutual Aid Societies
« on: December 15, 2015, 06:50:53 pm »What of the idea that insurance fosters irresponsibility? State laws aside, for example in a hypothetical free society, wouldn't you be a more careful driver if you drove an expensive car without insurance than if you shielded yourself from some of the risk by buying insurance?
That's not saying insurance is not useful, but what are the secondary effects? Could it be slowly changing our perspective about personal responsibility?
The presence of insurance for Cell Phones means many people are "less careful" with how they handle their phones. So the question becomes a matter of moral hazard present in all socialized activities.
Smoking Pot increases your risk of injustice. Breaking any arbitrary law intentionally increases your risks.
So lets say you had insurance against getting mugged. Does this mean you walk down a dark alley alone without a cellphone, gun, or pepper spray?
We buy insurance so we can exercise our freedoms. Insurance can only offset financial costs, it cannot give you back time spent in jail or points on your license, or increases in your car insurance rates. There are plenty of incentives to behave in a responsible manner without government thugs piling on top.
I support insuring the pot smoker so the pot smoker can support onceuponatime in running a crowd fund campaign. They are both intentionally engaging in risky behaviors, they are both exercising freedom, and neither one is harming anyone else.