[gorgoiler]

How do mutualised institutions — building societies, credit unions, profit sharing with employees — fit into your world view? Are there credit unions that offer insurance products, or is it too risky lumping peoples savings with a risk-forward product like insurance?

[socialismisok]

Generally I'd prefer them over capitalized institutions. At least the people who are making things work are seeing direct positive results.

In some cases (eg health insurance) I believe a single large national pool is preferable.

Should credit unions offer insurance... I am not sure. I think it's reasonable if that's what the credit union members want, but they'd need to be very careful about the policies they were issuing and the potential payouts.