Harry Browne Quotes on Risk
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Insurance is meant for extraordinary circumstances. You don't use car insurance to pay for oil changes or gasoline; you have it as protection in case you have a terrible accident or your car is stolen. You don't use homeowners' insurance to pay your electricity and water bills; you have it as protection in case a fire or other catastrophic event produces a large expense. Obviously, any insurance policy that promises to cover every small, ordinary expense is going to be much more expensive than one that covers only extraordinary expenses.
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The free market punishes irresponsibility. Government rewards it.
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You can't give the government the power to do good without also giving it the power to do bad - in fact, to do anything it wants.