[gilsadis]

Hey, Gil from Lemonade here. I see quite a few p2p related comments here and I totally understand how P2P can be confusing as a term. This video can help understand the concept - https://www.youtube.com/watch?v=6U08uhV8c6Y. tl;dr: We use each group's premiums to pay their claims, and unclaimed money goes back to the group's common cause.

[dave_coen]

I think Daniel's comment in the video that the common cause could be a local PTA helps make the point clearer.