mr peters talks about insurance; 

It isn’t evil to sell insurance. Just as it isn’t evil to sell electric cars. The evil arises when people are forced to buy either thing.

It is the forcing that’s evil.

A secondary evil arises from this foundational evil. It is that the cost of insurance inevitably exceeds the value of insurance. And this – in turn – paradoxically becomes the main reason why people have to be forced to buy it.

In particular, the people least likely to ever need it. The ones, that is, who pay for premiums but never incur payments – by filing claims. The ones who don’t get wreck their cars or other people’s cars. The ones, in other words, who need insurance like an expert swimmer needs a flotation device. Maybe one day it might come in handy – but the probability is not likely. Would it be worth it for him to pay $300 for a flotation device, just to have it around for just-in-case?...........more........