• 2 Posts
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Joined 2 years ago
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Cake day: June 12th, 2023

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  • You pretend like insurance companies know best, and ‘market forces’ are these perfect righting forces. I call bullshit.

    I pretend nothing. You’re taking this too personally - I don’t care about you and your situation.

    Of course they will make mistakes, nothing is perfect. But there will also be many people moving into high-risk areas and forcing others to risk lives and spend money to save them when there is a fire. The same thing happens with floods due to the FEMA flood insurance program. You see homes being destroyed and re-built in flood-risk areas that should simply be moved to a better location instead.


  • Nice thing about “paved hellscapes” is they don’t tend to have runaway fires that cost millions to deal with.

    High premiums is the price you pay for high risk. It applies market pressure against such activities while allowing those who really want the risk to continue doing it, at a cost. I only hope California doesn’t step in to subsidize things like they tend to do…

    What would likely be more cost effective long-term is to offer a fair market value buy-out of high-risk homes so you can relocate to someplace less “tinderboxy”.











  • This is what angers me about stories like this…

    Population statistics don’t generally map very well to individuals. The existence of outliers doesn’t disprove the population data either.

    As an example:

    “Men are (on average) taller than women” does not mean “all men are taller than all women”. But that the average height of men is higher, and the extreme ends of height are higher. The existence of short men does not disprove the average being taller.

    That said cigarettes are clearly a high risk / zero reward sort of activity that is crazy to see continue into 2025.