The scale of reliability also goes beyond daily use. Most of the days you don’t need your fire insurance but the day you do you really need it. There was an interesting ted talk about how from a western perspective having a medical insurance for the price of daily coffee was an easy sell but in the different experience environment people seldomly bought it. The perspective where insurance companies will look for excuses not to pay out, cover only partially, restrict the method healthcare can be accessed made it unsure that if you had the insurance and got sick whether you would be fine. If you choose the daily coffee atleast you won’t be cheated out of it. I guess it’s more about the value of reliabily rather than the cost.
The scale of reliability also goes beyond daily use. Most of the days you don’t need your fire insurance but the day you do you really need it. There was an interesting ted talk about how from a western perspective having a medical insurance for the price of daily coffee was an easy sell but in the different experience environment people seldomly bought it. The perspective where insurance companies will look for excuses not to pay out, cover only partially, restrict the method healthcare can be accessed made it unsure that if you had the insurance and got sick whether you would be fine. If you choose the daily coffee atleast you won’t be cheated out of it. I guess it’s more about the value of reliabily rather than the cost.