This seems basically right to me: https://slatestarcodex.com/2020/04/14/a-failure-but-not-of-prediction/ … Every time I make a decision based on a low probability event worth preparing for (which I don't claim to be *great* at doing, but I do more than average) people treat me like I'm being super weird.
This is only true if you're getting a comparable return on investment to what the insurance company is getting. Insurance is sometimes higher EV than holding cash.
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Yeah this is true, but the marginal difference is very small
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