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The threat offered by any given particular person is assumed collectively by the group who all bear the value of rebuilding misplaced property and supporting folks whose needs are suddenly greater after a lack of some type. In supportive communities the place others may be trusted to comply with group leaders, this tacit type of insurance can work. In this way the group may even out the intense differences in insurability that exist among its members. Some additional justification can also be supplied by invoking the moral hazard of specific insurance contracts.
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