Nobody wants to pay for somebody else’s bad luck or misjudgment. But that is the essence of insurance. The problem is illustrated by wrangling between US banks over the $15.8bn cost of containing this year’s bank runs.
没有人愿意为别人的坏运气或错误判断买单。但这就是保险的本质。美国各家银行之间为控制今年银行挤兑所需的158亿美元费用而争执不下,就说明了这个问题。
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