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In response to "well, reducing consumption is really the only way to cut cost.." by colinski

Yep, we're mostly in agreement, and the car insurance comparison is an excellent, perfect example.

And I will say that there is a positive side to reducing consumption too. There are a lot of unnecessary services being administered. There wouldn't be as aggressive a push to reduce consumption if it was simply a cost containment measure; the health benefits of the extra consumption are dubious at best too.

That said, the idea that people couldn't choose to buy up beyond that insurance concept is ludicrous.


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