this post was submitted on 15 Jan 2025
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the real solution is co-operative insurance (i think there's a more proper term but blegh), grab some people you trust and write an agreement to keep a collective pool of money saved away for emergencies.
The more people you can get to agree, the safer everybody is.
The real solution is to reduce the real risk. Cooperative insurance goes on top of that and you have to argue within your cooperative to reduce the risks and not have some members be reckless or selfish bastards.
Scale that up and the final form is insurance that's controlled by the government. I fully support that btw, the government is supposed to represent the interests of the people (at least in an ideal democracy)