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social security is a Ponzi scheme, amirite?
how does insurance work anyway, ( it doesn't) when a major catastrophe comes along they go bankrupt and don't honor their contracts . they even compartmentalize the companies so that they are in regions just big enough to contain a disaster so they don't have to pay out that area but still collect from the safe zones to protect the companies as a whole. Ask the victims of the California fires.
What's wrong with paying for services rendered. ( they can't take advantage of people then)