35 Insurance Agencies are almost to a one, a scam. (archive.ph) posted 1 year ago by GeneralBoobs 1 year ago by GeneralBoobs +35 / -0 25 comments share 25 comments share save hide report block hide replies
Nothing about what you said makes the fundamental concept of pooled risk unsound though. You're just taking issue with the fact that there is some added cost even under the most ideal scenario, which is a separate issue.