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Most laws have preambles and records of the debates to help with their intent.

The theory of strict construction is a protection in our legal system. Otherwise you'll end up with a system similar to the insurance you're complaining about - generalized rules, you won't know the outcome going into it, and they can find ways to make the rules for the desired outcome. (This stuff happens in the legal system today, it would just get immensely worse)




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