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> If we could estimate that well, risk would no longer be a real thing, and then there would be no need for insurance at all.

Or maybe there would?

> However, you can't just take ideas to the absolute theoretical limit and expect the results to come out making sense in the real world.

Erm ... yes, you can, and you should? If you don't actually mean "as individually as possible", then you presumably mean "more individual than now, up to the point where I wouldn't agree anymore", which is essentially a vacuous statement.

Either you actually mean your idea, or you don't. If you don't mean it, then it's up to you to clarify, not up to me to make assumptions about what you might have meant.

Take "as individually as possible," to mean, "as individually as practically possible," rather than, "as individually as theoretically possible," and you'll have a better understanding of what I was trying to communicate.

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