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Re:Driverless Cars Threaten to Crash Insurers’ Earnings by sliverstorm on Tuesday July 26, 2016 @02:01PM (#12167549)
Insurance is used for a fundamentally different purpose, to socialize risk.

A good quote I found: insurance transfers risks that already existed; gambling creates risk for entertainment.

Re:Driverless Cars Threaten to Crash Insurers’ Earnings by cloudjacker on Tuesday July 26, 2016 @02:35PM (#12167800)
A rationalization for Evangelicals. Once you realize the distinctions are all rationalizations to appease people that require cultural distinctions, you'll stop trying to rationalize a difference between financial chances.

Think "why am I more comfortable with gambling because my state mandates I pay it" and think about what circumstances led to that, and then think about what prompted you to care at all.