Fascinating book, many good points. Though in my personal opinion it is flawed in its fundamental premise, considering as stated in the introduction it presupposes a world in which pure capitalism is the only viable system thus meaning insurance is entirely necessary and therefore must be improved upon. I believe this is false and that when a more equitable system is put into practice the problem can be solved at the root by removing the insurance industry in its entirety (through public housing, medical care, ubi etc) by human rights and needs being in their essence met. This does not mean there is nothing to be learned from the book, that would be an entirely useless statement for there is something to learn from everything and i do recommend reading