Insurance often does cover part or all of the losses. What they leave out is that the businesses take the insurance money and either call it a day or move to an area that values businesses and jobs more than the fee fees of criminals.
It's absolutely a vicious cycle in the ghetto. Some areas still haven't recovered from the race riots of the 60's. Partly because they learned their lesson about setting up shop in the hood, and partly because the higher insurance rates make in untenable or at least less profitable to do so. Shit holes like Seattle and Portland will suffer the consequences of their shitty political decisions for a long, long time. The upshot is that the businesses are incentivized operate in areas that actually enforce the law. The problem is partially self correcting at least.
I remember a black conservative who grew up in the ghetto was saying until you want to address the root cause the neighborhoods will always be the same. The city leaders just blame “white supremacy” and you are right. Businesses will leave because I wouldn’t set up shop in an area that could have riots where police are told to stand down.
For something as common as everyday theft businesses might even be better off without insurance and just pay for the losses themselves.
Insurance might be sensible for rare, high-impact events. However, you can't socialize costs if it happens every day to everyone in your area.
Stores not only have to pay for the stolen goods through premiums but also the operating costs and profits of the insurance provider. At that point they might be better off without insurance.
When I think about the trouble caused by mass lootings, even if you don't take into account the rise in premiums and product costs I'm not sure that an insurance payout is enough.
What about the time wasted cleaning up the store? I suppose a smart business owner will put a dollar amount on that and try to get insurance to cover it, but there are surely knock-on effects chained on from the store being closed, related to supply, staff, and the store's long-term competitive position in the neighborhood. What about all the employees who aren't going to work? Are they getting paid-time off? Does insurance pay for that? If the store being closed causes a customer to go to another store instead - and they decide to make that their new preferred store, how is that quantified? Even if you can put a dollar amount on all the time wasted, time is actually more valuable than money most of the time. There are huge opportunity costs lost from a store being trashed and having to be temporarily closed.
What about those people’s jobs? Like even if insurance took care of the theft these people are out of work. Being in the position where you have to work minimum wage usually means you need that money. Also, why is this lib schmuck complaining about shit he voted in? Sad all around
Should people who work in dusty environments that require N95 protection just take these N95 masks? Or will that encourage the government to waste even more resources?
White leftists are slowly going to realize that BLM was just "the race card" on an industrial scale. The entire point was to eliminate accountability for black criminals (who are now running roughshod over every major democrat city in the country). White lefties insanely believed that fewer black criminals in prisons meant something other than more black criminals on our streets.
At this point I'd be ok with a constitutional monarchy. Make it so the King is chosen by the legal citizens of the country, any fraud is given the hardcore mode in minecraft penalty, and one vote per person with photo ID provided. Hell, I'll make it a little better. If you're on welfare/disability, and you haven't actually attempted to find some work/haven't worked long enough to offset the cost, say a man who's worked most of his life that hasn't been able to do so in several years now, then you don't get to vote.
The states keep their governors, as the king cannot manage everything at once. The senate goes back to being state-selected and not elected, that's what the house is for. Every four years the king is up for choosing again, and if any member of his court, which includes himself, mentions anything about wanting to confiscate/put a restriction on/outlaw certain weapons because they "look scary/nobody should have that outside the military", they are immediately removed from office and jailed in some prison that is not nice to the inmates. Solitary confinement, life sentence.
There's more to my idea of course, and I bet that the vast majority of what I theorize about putting in place could be done so much better, and is easily corruptible. Plus, I suppose it also makes me a traitor to the founding fathers on an ideological level. But at this point, with where the American Idea of Freedom has lead us, and to an extent, the world, to? I'm ok with that.
Oh, and we're banning the existence of the Georgia Bulldogs, Florida State Seminoles, Ohio State Buckeyes, and Houston Astros. Has to be done.
Your ability to foresee consequences, motivate yourself to take action to best serve your future-self (self-interest), and your ability to delay gratification of your instincts now for greater rewards later: these are the measure of how human you are.
Surprising no one, inner city nignogs raised by single mothers and fed by bleeding the productive for "free" money have very little humanity.
You cannot grasp what a hellhole downtown Seattle has become, I have to go down there all the time.
Almost no retail left alive, everything is boarded up and grafittied over. Street gronks burning trash for warmth on the sidewalks, open drug markets and peddling of stolen stuff from Target (which is rumored to be closing). Last week some retard was filmed struggling to steal a big screen TV out of Target, his umpteenth bust for the exact same theft, no charges.
Property crime here is out of control and our great poobahs on the city council weep for the poor homeless criminals who attack pedestrians, vandalize anything that doesn't move, hoist the tires and catalytic converter off your car, and wander the place naked and screaming on drugs. Every.fucking.day.
I've never seen such warp speed decline in a city; from crappy but ok, to a hellscape in a Heironymous Bosch painting.
Insurance often does cover part or all of the losses. What they leave out is that the businesses take the insurance money and either call it a day or move to an area that values businesses and jobs more than the fee fees of criminals.
It's absolutely a vicious cycle in the ghetto. Some areas still haven't recovered from the race riots of the 60's. Partly because they learned their lesson about setting up shop in the hood, and partly because the higher insurance rates make in untenable or at least less profitable to do so. Shit holes like Seattle and Portland will suffer the consequences of their shitty political decisions for a long, long time. The upshot is that the businesses are incentivized operate in areas that actually enforce the law. The problem is partially self correcting at least.
I remember a black conservative who grew up in the ghetto was saying until you want to address the root cause the neighborhoods will always be the same. The city leaders just blame “white supremacy” and you are right. Businesses will leave because I wouldn’t set up shop in an area that could have riots where police are told to stand down.
"white supremacy" is just their catch all when they are unwilling to take responsibility of anything
Exactly
For something as common as everyday theft businesses might even be better off without insurance and just pay for the losses themselves.
Insurance might be sensible for rare, high-impact events. However, you can't socialize costs if it happens every day to everyone in your area.
Stores not only have to pay for the stolen goods through premiums but also the operating costs and profits of the insurance provider. At that point they might be better off without insurance.
Thanks for the payout, now we can afford to move to a non shithole
When I think about the trouble caused by mass lootings, even if you don't take into account the rise in premiums and product costs I'm not sure that an insurance payout is enough.
What about the time wasted cleaning up the store? I suppose a smart business owner will put a dollar amount on that and try to get insurance to cover it, but there are surely knock-on effects chained on from the store being closed, related to supply, staff, and the store's long-term competitive position in the neighborhood. What about all the employees who aren't going to work? Are they getting paid-time off? Does insurance pay for that? If the store being closed causes a customer to go to another store instead - and they decide to make that their new preferred store, how is that quantified? Even if you can put a dollar amount on all the time wasted, time is actually more valuable than money most of the time. There are huge opportunity costs lost from a store being trashed and having to be temporarily closed.
What about those people’s jobs? Like even if insurance took care of the theft these people are out of work. Being in the position where you have to work minimum wage usually means you need that money. Also, why is this lib schmuck complaining about shit he voted in? Sad all around
I hated that response
Finally
Should people who work in dusty environments that require N95 protection just take these N95 masks? Or will that encourage the government to waste even more resources?
Yeah but if we do anything to stop it some black people might feel bad, so…
White leftists are slowly going to realize that BLM was just "the race card" on an industrial scale. The entire point was to eliminate accountability for black criminals (who are now running roughshod over every major democrat city in the country). White lefties insanely believed that fewer black criminals in prisons meant something other than more black criminals on our streets.
No, they won't. They will go to their graves saying, "At least I wasn't a racist."
Voting has consequences
Were monarchies really so bad?
At this point I'd be ok with a constitutional monarchy. Make it so the King is chosen by the legal citizens of the country, any fraud is given the hardcore mode in minecraft penalty, and one vote per person with photo ID provided. Hell, I'll make it a little better. If you're on welfare/disability, and you haven't actually attempted to find some work/haven't worked long enough to offset the cost, say a man who's worked most of his life that hasn't been able to do so in several years now, then you don't get to vote.
The states keep their governors, as the king cannot manage everything at once. The senate goes back to being state-selected and not elected, that's what the house is for. Every four years the king is up for choosing again, and if any member of his court, which includes himself, mentions anything about wanting to confiscate/put a restriction on/outlaw certain weapons because they "look scary/nobody should have that outside the military", they are immediately removed from office and jailed in some prison that is not nice to the inmates. Solitary confinement, life sentence.
There's more to my idea of course, and I bet that the vast majority of what I theorize about putting in place could be done so much better, and is easily corruptible. Plus, I suppose it also makes me a traitor to the founding fathers on an ideological level. But at this point, with where the American Idea of Freedom has lead us, and to an extent, the world, to? I'm ok with that.
Oh, and we're banning the existence of the Georgia Bulldogs, Florida State Seminoles, Ohio State Buckeyes, and Houston Astros. Has to be done.
Whoopty doo. This is like saying a building in Shanghai collapsed due to tofu dreg construction. Shitty things happen in shithole places.
Too bad they care more about criminals than the victims of this theft
Reminder:
Crime causes poverty far more then poverty causes crime.
The fact that crime and poverty are paired doesn't imply temporality in anyway.
Nothing is ever free.
All actions have consequences.
Your ability to foresee consequences, motivate yourself to take action to best serve your future-self (self-interest), and your ability to delay gratification of your instincts now for greater rewards later: these are the measure of how human you are.
Surprising no one, inner city nignogs raised by single mothers and fed by bleeding the productive for "free" money have very little humanity.
muh supply chain
You cannot grasp what a hellhole downtown Seattle has become, I have to go down there all the time.
Almost no retail left alive, everything is boarded up and grafittied over. Street gronks burning trash for warmth on the sidewalks, open drug markets and peddling of stolen stuff from Target (which is rumored to be closing). Last week some retard was filmed struggling to steal a big screen TV out of Target, his umpteenth bust for the exact same theft, no charges.
Property crime here is out of control and our great poobahs on the city council weep for the poor homeless criminals who attack pedestrians, vandalize anything that doesn't move, hoist the tires and catalytic converter off your car, and wander the place naked and screaming on drugs. Every.fucking.day.
I've never seen such warp speed decline in a city; from crappy but ok, to a hellscape in a Heironymous Bosch painting.
Just passing through on I-5 is bad enough. Graffiti, trash, and homeless tents everywhere.
Bremerton has all the good stuff Seattle offers in one block near the ferry harbor. I miss it.