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The threat offered by any given person is assumed collectively by the community who all bear the value of rebuilding lost property and supporting individuals whose needs are suddenly larger after a loss of some kind. In supportive communities the place others could be trusted to follow group leaders, this tacit type of insurance can work. In this manner the neighborhood may even out the intense differences in insurability that exist among its members. Some additional justification is also offered by invoking the ethical hazard of specific insurance contracts.
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