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Comment by bradleyland | Hacker News Reader

Insurance is for abuse? Insurance is a contract between you and a company who assesses risk by allowing you to buy risk relief at a fixed price. In your contract, there is usually a stipulation that you agree not to intentionally damage the insured "thing" or put said thing at risk.

I hope you'll reconsider the ethics of how you perceive insurance.

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True and largely accepted as rational even for things such as life insurance (suicide and death in "high risk" activities e.g. skydiving, piloting experimental aircraft, etc. often excluded).

When it comes to health insurance, though, people seem to have this unreasonable expectation that they should be allowed to be obese, not exercise, and have a poor diet, and then have their diabetes, kidney failure, and heart disease fully paid for while paying the same rates as everyone else, or even paying no premium at all (e.g. government provided health insurance).

Sorry I should have included the <joke>tag</joke>.

No, you shouldn't have. I understood the sarcasm. Some people here take things way too literally and seriously.

I agree, people need to lighten up.

I apologize for the incorrect assessment of the parent's message, but please consider for a moment that rampant amount of insurance fraud that goes on all the time. There's a reasonable amount of ambiguity as to whether or not the comment was sarcastic.

No worries, I forget that humour doesn't travel well online - http://rationalwiki.org/wiki/Poes_Law ;)

dont worry dude, in USA the health insurance also takes into consideration the stupidity.

Also by the same logic apple should also ban the SMS and Voice calling app, since driving while using mobile phone is dangerous.

In any case the logic that a user might hurt himself is stupid.

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