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Insurance is the effort we put in place to mitigate risk. We can take actions to reduce risks and we can have resources in place to recover from damaging events after they occur.
Everyone benefits from insurance which reduces the risk of future adverse events.
Health insurance and social security should be setup and administrated as insurance systems, mandated by law and administered under contract by public owned corporations.
Modify policies to pay legal defense but not any awards - they should be paid by the medical professional.
Principle: Personal Responsibility