have you ever asked a doctor or nurse (not dentist) what a procedure will cost before consenting to it?
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me, an idiot: "I bet I get sick" insurer, a genius: "I bet you don't, pay me $7000/year for counterparty risk premium"
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does it also apply to other insured things? the level of fucked upness seems peculiar to medicine
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*nodnod* i'm poking around other things because i suspect there are yaks to be shaved here, insurance is obviously a bad model for the domain that has been driven by perverse incentives into greater heights of dysfunction, but i feel like there's a structure of factors
End of conversation
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