[geeks] Insurance, and Why I Hate It (long)

[Michael A. Turner]

	I have never understood the logic behind insurance myself. Follow
this train if you will. I am paying a compnay, basically laying a bet, that
I will most likely get into an accident, or injure myself,  before the
amount I have payed is larger than the amount I will recieve in benefits
from said accident or health problem. 
	I fully believe that people do the things that they work towards. If
you tell yourself all the time you are no good at math eventually you will
be no good at math. It seems like everytime I pay that insurance premium
it's like a reminder to go out and hurt myself. This would seem to suggest
that Insurance causes accidents.
	I believe we need to find a system that goes the other way, that I
am betting that I will stay safe and healthy. I have, unfortunatly, not been
able to find a model for this that works. The big issue I found in this
revised model is the fact it would now be in the best interest of the
insurance comapny to hurt you... As untrustworthy as those bastards are I
definatly do not want them to have a reason to wack me in the head with a
bat....

Michael A. Turner
Systems Engineer
WHRO
michael.turner at whro.org
http://www.whro.org