Just thinking about the evolution of the concept of insurance.
Insurance didn't exist 234 years ago when the British burned down Concord, and Berrett's militia stood outside town watching their homes burn. There was no State Farm to call up and get a crew to rebuild the house, and free hotel to stay in while you got on your feet.
You lost everything, and you rebuilt. But you were free in every sense to get the job done to the best of your ability. No permits, no inspections, no zoning, no minimum wage laws, no hazmat regulations, etc. Nothing saying you couldn't live in your barn/smith shop/tannery or other place of employment while you rebuilt.
Thinking about how much insurance costs. I don't know what my employer pays for my health insurance, but I hear it's something around $300-$400 a person. Car insurance, home insurance, dental, vision, extended warranties. Let's not forget medicaid, medicare, social security. All sorts of other insurance available on the market, too.
How much a month do you pay in "insurance tax?"
And do you think this is a good thing?
I look at the money spent on insurance... and wonder what could be done with it more constructively. $1000 a month or more. That's a serious chunk of change.