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Small-Scale Question Sunday for July 12, 2026

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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But that's why I'm not sure it's a net benefit: insurance provides coverage against risk, if the risk is lowered, the market shrinks. Also, it moves ownership and liability from individuals to companies (ride-sharers, whoever is responsible for the self-driving software) who are more sophisticated and solvent, and have better negotiating power for rates, or might forego insurance altogether (via self insurance).