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I am willing to claim that no insurance market in history ever arose because of spontaneous demand on the part of consumers. Maritime insurance, which was one of the first forms of insurance, was demanded by creditors as a condition for lending money to shippers. Life insurance also initially arose to meet the needs of creditors who were lending money to pensioners.
Kling argues that the best solution to our health care problems is for the government to demand that everyone buy catastrophe (high-deductable) insurance, an odd idea, but one which The Stalwart finds compelling.
The fact is is that insurance should cover the rare not the expected, else it ceases to be insurance. When someone calls the Social Security program a form of insurance for the elderly and retired, it's nonsense since every single worker in America will one day be old and retired. Even life insurance doesn't insure against death, merely unexpected death.
As usual, read the whole thing.
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