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The issue is in characterizing insurance as a type of prospective fee. Another—and probably extra accurate—view is that insurance coverage is the sharing of risk, and that the purchase of insurance coverage is cost for participation in the danger pool. The truth is, with out the sharing of threat, the idea of insurance coverage is meaningless. Whereas the underlying actuality would be the identical, the practical difference between the two perspectives is that threat is present, common, and sure; fee for care will not be necessarily any of those.
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This text of mine is an try and remind the fundamentals of education and its importance past financial rewards. … Read More ...