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by consteval 691 days ago
I commute 15 hours a week. In Texas.

I see a few accidents a day. Nobody actually wants to drive really, we just do it because we have to. If I could teleport to work or even take a train I'd do it, and I'm not alone in that.

Point is, I don't feel comfortable betting on things where there's a large amount of outside influence. And no, insurance isn't betting. It's risk pooling, not betting.