[mD5pPxMcS6fVWKE]

But people routinely buy insurance, and it's considered a right and moral thing to do. Though the math is exactly the same as with the lottery. Statistically, odds are unfavorable. But it buys peace of mind, so people pay.

[schoen]

The insurance is given a polarity and connection to the rest of your luck in such a way that it smooths out your risks. On the other hand, playing the lottery makes your good luck spikier. (Though there are more specific ways to say it, we could say that insurance is meant to make your life less impacted by chance -- more predictable -- while insurance is meant to make it more impacted by chance -- more unpredictable.)

[schoen]

(whoops, I mean "while the lottery is meant to make it more impacted by chance")