Fi, infosec-aspected on Nostr: Hot take: Fire insurance, much like health insurance, exists so private individuals ...
Hot take:
Fire insurance, much like health insurance, exists so private individuals can profit from others' misery and misfortune.
The factors that lead to this profitability are influenced by - and depend on - things like building codes, zoning, firefighter budgeting, and brush-clearance activities carried out by the state and its agents.
Thus, like health insurance, fire insurance is infrastructural - and like other infrastructure, constitutes a public good that would be usefully brought into the purview of other state-run infrastructure.
Fire insurance, much like health insurance, exists so private individuals can profit from others' misery and misfortune.
The factors that lead to this profitability are influenced by - and depend on - things like building codes, zoning, firefighter budgeting, and brush-clearance activities carried out by the state and its agents.
Thus, like health insurance, fire insurance is infrastructural - and like other infrastructure, constitutes a public good that would be usefully brought into the purview of other state-run infrastructure.