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Joined 12 days ago
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Cake day: June 22nd, 2024

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  • I see, an enlightened American (or not? I can hardly ever tell tbh). There are two very good models of insurance that I can think of right now:

    1. Obligatory, with fees based on income. Esp. health insurance.
    2. A situation where you absolutely cannot afford losing the object in question. An individual may never recover, but it is an extremely rare occurence, e.g. your house burns down. The cost spread over many shoulders is insignificant, but it ensures that no one is left with nothing. A third possibility are investment strategies, where an insurance uses the money to future-proof a system or sector - the incentive for good performance is that they have to pay for e.g. flood damaging if they don’t build proper dikes. But that can easily be done without insurance, by governance.





  • … I disagree. It is funny due to the contrast in “behaviour” (these are cells, not animals) which is shown via the contrasting images (don’t worry, I’m not going to mansplain the term “meme” ). I daresay that if you can easily turn the joke around, it doesn’t rely on stereotypes. Since this is the case (make a meme about asymmetric division in oocytogenesis compared to equal division in spermatogenesis) it’s simply funny. I suggest more calm.