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this post was submitted on 27 Nov 2023
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No Stupid Questions
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No such thing. Ask away!
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While there's certainly no redeeming feature to be found in the advertising industry, I feel like you might be missing the point of insurance. An insurance does not safe-keep "your" money. You pay insurance for a service, you then receive the service and your money is gone, spent, as if you had bought groceries. The service you receive is what is called "coverage" but what is more easily thought of as "immunity against bankruptcy due to X", X being the insurance case. That's what you buy.
Figuring out how to best allocate the money is up to the insurance - it's their money, after all.
Yes, but spending the money creates more of an incentive and more pressure to figure out how to skimp on payouts
The only issue with that is their prices go up if their costs go up. Kind of like how grocery stores claim that theft causes prices to go up. It is their money, though it does feel bad paying them.
i absolutely disagree. the way insurance works is you all pay into it and they use that money for claims. it's literally our money.