Let's take a really simple thing like "car accidents" and insurance as a starting point to flesh out this concept. Car accidents are inevitable, just like it's inevitable people trip and fall from time to time all throughout their life. A person might do something dumb like back into a garage door in the morning because they had too much coffee, or get into a fender bender because another car was obscured behind the "A" pillar when they glanced up the road. These things happen all the time. Cars really should be treated as potentially disposable items, or at least the paneling of a car should be, but they're not, and many people "buy" a car with a debt agreement so they don't even really own the shiny metal.
That whole scenario exists in some bizarre hell-realm, but let's just stick with the insurance aspect of it, which is sort of a hell-gap-squared scenario. Since people can't afford their cars, they pay for car insurance to mitigate the financial damage from an accident. Then when they have an accident, or somebody steals a part or their whole car, they often discover the insurance is unhelpful or bad. For example, I had my catalytic converter stolen at work about 10 years ago. I decided to file an insurance claim, even though I knew better. The insurance would only pay for some shitty aftermarket converter that didn't even fit my car instead of paying for an OEM one, which is what I would have done. Then my premiums went up substantially as well: total fucking scam. I'd been paying premiums for years and the parasites wouldn't really even properly fix my car for a measly $1200 or whatever.
Even in the cases of accidents that cause bodily injury or loss of life, the main function of the insurance industry is to protect its profitability. People imagine there should be a magic thing which protects them from accidents, but in reality there's only a parasite that injures them continually.
The actual reality of transportation is people can allocate X% of their income to it. This is true for individuals and society. Ideally the minimal level of resources for comfortable transportation would be allocated to it. Similarly, in the cold-hard reality world, the concept of "fault" is pretty childish and car accidents have many causes. One stupid cause, for example, is roads are double-wide so there can be head on accidents. A system of only split-lane roads would cost more, and add to travel times, but would be safer. By only allocating X% of their income to the roads, people sign up for the possibility of head-on collisions. Similarly, if it were 2x harder to get a driver's license, crashes would obviously decline, but that will never happen because the car industry wants to make as much money as possible.
Anyway, overall it costs person X% of their income all-in, including accidents and repairs, to use a car. However, and this is where the hell aspect comes about, they refuse to acknowledge these very basic facts. Even word and concept "accident" provides glaring testimony about this fantasy land. "Accident" implies avoidable.
No comments:
Post a Comment