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Joined 2 years ago
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Cake day: July 15th, 2023

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  • Something about the “not human” phrasing is bothering me. I get what they’re trying to convey and I don’t dispute it, but it also feels inaccurate in a way that might lead us to miss important aspects of the situation.

    I’m sure if you asked an Afghan man how many people live in his home, he’d include women and children in his answer. So I don’t think they literally see women as a separate species.

    My gut feeling is more like Afghan men don’t generally believe in the concept of human rights, as opposed to separate sets of rights for men and women. Hell, they may not even believe in the Western concept of rights at all, and may think only in terms of things like religious obligations and cultural norms.

    I wonder if there’s a different phrasing we could use that has the same emotional impact but doesn’t suggest questionable conclusions about the world view of Afghans.






  • Note the glaring absence of you mentioning their fiduciary responsibility to maximize shareholder value.

    A lot of insurance companies, including big ones like State Farm and Liberty Mutual, are owned by their policy holders. So yeah, I made the mistake of not mentioning their fiduciary duty to maximize value for their customers.

    Do you grasp the notion that home owners can’t instantly pull up stakes and teleport to more insurable locations?

    What do you expect insurance companies to do about it? Keep offering policies and collecting premiums while knowing they won’t be able to pay all the claims they get? That’s called fraud.

    You say they’re “slinking off” as if they’ve stolen something, but what have they stolen? You say they’re leaving with their profits, but what profits are you referring to? Do you really think they’d be leaving if they were making money?




  • FFS, no. Do you even know what insurance is? They are always on the hook to make payouts for any policies that are active, and it happens regularly. Most of the money they take in goes toward paying claims. Most of the rest of the money goes toward overhead, which includes paying actuaries to evaluate how much risk they’re taking on and how much future payouts are going to cost. They determined that providing homeowners’ insurance in CA would soon cost them more in payouts than the state allows them to charge in premiums, so they decided to stop doing business in CA. Nobody was scammed. Their customers all got what they paid for while they were paying for it.


  • So many people here are speaking as if real estate insurance companies are doing something evil by pulling out of markets where it’s impossible for them to make a profit or even break even. The companies are not reneging on any obligations, just turning away customers they can’t afford to insure, and people here are responding by saying things like all insurance is a scam, and the insurance companies abusing their customers to enrich their shareholders.

    I get the feeling they’re taking their opinions of the private health insurance market and applying them to insurance in general, and in doing so they’re demonstrating a lack of understanding of what insurance is for, why it’s required for certain purchases, and why people choose to do business with insurance companies even when they don’t have to