People don't like to admit that there are problems that the market is absolutely able to solve.
It is nuanced. Insurers can be problematic. Tort law has strange incentive structures in the way it's implemented in various places. But, broadly speaking, the price of insurance is an informative signal.
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It is nuanced. Insurers can be problematic. Tort law has strange incentive structures in the way it's implemented in various places. But, broadly speaking, the price of insurance is an informative signal.