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One of the arguments I made in my first essay is that it makes no sense to respond to minor risks by taking drastic measures (in that case, I was responding to making sweeping racial judgments based on a lone incident). Nobody should respond to the threat of communicable illness by sheltering indoors like Howard Hughes. Nobody should mitigate the risk of accident by diminishing their quality of life. But buying insurance? That’s like taking a cab through a dangerous neighborhood. It’s a perfectly sensible hedge even if it’s somewhat costlier than the alternative. If it weren’t sensible, millions and millions of people insured by their employers — including, probably, the same people now encouraging young people to skip Obamacare — would be opting out in exchange for additional cash compensation.
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