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Just give it a different name when you do it
(lemmy.world)
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this post was submitted on 25 Dec 2024
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No insurance is mandatory.
That's just not true, at all.
Car insurance is mandatory if you have a car in the us and health insurance is mandatory in many states in the US.
Many landlords require renters insurance, and banks require homeowners insurance.
In my state workers comp insurance is mandatory if you have more than three employees.
Banks are required to have fdic insurance. I'm sure there are many more examples, but that is just off the top of my head.
Vehicle and property insurances are a public good safety measure. If you go and cause serious injury to someone with your vehicle or in your home they have every right to expect to be made whole again. Without that insurance you would personally be liable for those debts. Unless you're willing to say that those kind of debts are not dischargeable in bankruptcy then insurance to cover them is essential for anyone who doesn't have a few hundred thousand laying around.
Workers comp is useful much the same way, unless you want that dim employee who cuts their hand off to be the death of your business.
FDIC helps ensure that some fool tanking every asset the bank has won't leave the depositors holding the bag.
Health insurance is for the vast majority of people required in some form under the rules of the ACA.
Insurance in the most basic sense is a pooling or risk. A universal single payer healthcare system is simply a pool that everyone is a part of by default. There's a lot to be said for having a single entity to contact for payments, but you can be sure that even if we fully did away with the insurance system as it is today that there's not going to be a 'free MRI Wednesday' in exchange for it. Someone will always be looking to keep a check on who spends howuch on what.