If we’re all in the same pool for insurance it spreads the cost and risk the most, and that helps to raise all boats, or quality of life for society as a whole in other words.

We ARE in the same boat. Some are trying to sink it.

The Earth is my boat,
and we are all mates.
With all hands to deck
we might keep it afloat.

recently learned that walruses hardly have teeth. they suck clams right out of their shells using their tongues to create a vacuum. AND they can suck skin, fat and meat off of seals too. so walruses are not the safe hugs you might think.

The quote is from Damian Barr. https://en.wikipedia.org/wiki/Damian_Barr

Maybe so, but the ultra-wealthy are in the eye of the storm.