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The danger presented by any given particular person is assumed collectively by the community who all bear the value of rebuilding misplaced property and supporting individuals whose wants are suddenly larger after a lack of some type. In supportive communities the place others may be trusted to comply with group leaders, this tacit type of insurance can work. In this manner the group can even out the extreme differences in insurability that exist amongst its members. Some further justification can be provided by invoking the ethical hazard of express insurance contracts.
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