if there was a guy who stood there swinging a scythe to cut grass and didn’t seem to care or feel bad or really respond at all to accidentally cutting someone’s arm off, we’d consider them uncaring and sociopathic. similarly, if we think of, say, an insurance company as a person, then when it declines someone’s claim and leaves them destitute, it’s reasonable to think of that person as uncaring and sociopathic. you can argue all you want about the economics of how insurance can only work if you do this but for the individual people who interface with this, who are not used to thinking about economic systems, but deal with people every day, it feels like a human using a loophole to justify not caring, and not feeling any empathy whatsoever.
if there was a guy who stood there swinging a scythe to cut grass and didn’t seem to care or feel bad or really respond at all to accidentally cutting someone’s arm off, we’d consider them uncaring and sociopathic. similarly, if we think of, say, an insurance company as a person, then when it declines someone’s claim and leaves them destitute, it’s reasonable to think of that person as uncaring and sociopathic. you can argue all you want about the economics of how insurance can only work if you do this but for the individual people who interface with this, who are not used to thinking about economic systems, but deal with people every day, it feels like a human using a loophole to justify not caring, and not feeling any empathy whatsoever.