>Insurance works and costs are manageable when the majority agrees that against unlikely but catastrophic events, it is worth paying a relatively small sum for insurance. Participation by low risk people, like most here when it comes to home insurance, makes insurance affordable for all who want it. This also is the Socialist philosophy, not that you'll ever agree to that.

I think you confuse insurance with solidarity, with good reason - both are strategies against risk. The difference being that insurance is a business (which likes its investors more than it likes its customers, so profits come first... see New Orleans 2005) and the solidarity is something among equals. Which is kind of pointless to bring up with discussion with Marcia, to her solidarity is a dirty word and there are no equals, only those who want to take her honestly earned money.