Insurance is about pricing risk in the sense scratch tickets are about market research. Insurance strictly exist as a game of extraction from the poor, it's exactly the capitalist equivalent of the mercantilist notion of taxation. If you are by yourself equal to any possible contingency, you don't need insurance for anything. If however you're feeble, and need mommy's hand there to hold yours just in case, then you pay the premium and get the shaft. At about the same time I had a car window broken and a parent of a slavegirl had a car window broken. I self-insure ; my car's window was fixed the following day for a little under a coupla hundy, notwithstanding it was a special order (tinted etc) on a luxury model. The parent pays for insurance, which is why they had a $500 co-pay on a $350 job, leaving them a) questioning why they pay $x thousand a year for insurance and b) telling the girly in question she should readmorenytimes/gotocollege/buyinsurance/etc. These seemingly contradictory stances are readily answered by the answer to a, which is self-obvious : if "the worst" happens, I just reach into the drawer and pull out whatever stacks ; they however are up shit creek w/o paddle -- for which reason they must pay the premium, go to "college" volunteer to be reaped and everything else.

Constructive ; synthetic.

Something like that. Whenever you're "reasoning" you're counting something, which is ultimately what computers do.