Insurance is a risk management tool

"Whether healthcare and health insurance are a luxury" is subjected to debate / opinion.  One's opinion or many people (not necessarily majority)'s opinoin does not necessarily constitutes commons sense.  There are also (albeit sutble) differences between Common sense and reality/truth.

For example, auto and home insurance is generally considered necessity in US.  In addiiton, auto liability insurance is mandated in every state.

所有跟帖： 

• You yourself cannot pool risk and reduce uncertainty -SwiperTheFox- ♂ (39 bytes) () 08/30/2016 postreply 08:01:55

• Auto liability insurance being mandated is because of "liability -遍野无尘- ♀ (0 bytes) () 08/30/2016 postreply 08:11:39

• From the point of view of the state -SwiperTheFox- ♂ (392 bytes) () 08/30/2016 postreply 08:24:25

• Yes. I have been forced to pay for >20 year insurance but not us -遍野无尘- ♀ (0 bytes) () 08/30/2016 postreply 09:07:27

• 德州还是有大于1/4的司机没有这个保险。。。 -sheandI- ♂ (169 bytes) () 08/30/2016 postreply 08:49:58