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3 months agoNearly all personal insurance should fundamentally be a government function. Insurance is principally there to assist you when shit goes south. This is also effectively one of the foundational reasons humans collect into societies. But we’ve let runaway American capitalism and abstracting money to the point where it is treated like a resource in an of itself rather than the allocation algorithm it is completely pervert our understanding of how government and private enterprise respectively should interact with society.
What we need is robust decentralized multimodal energy production fit for the local area where it is installed and contributing to a well maintained distributed grid with multiple redundancies and sufficient storage so that incidental costs are minimized and uptime is effectively 100%. Energy is a tool and its generation is a category of tools, whining about people developing a better screwdriver rather than only using hammers is counterproductive when we’re trying to build a house for as many people as possible that doesn’t fucking kill everyone.