Poor people seem perfectly capable of buying car insurance as evidenced by the fact that millions of poor people have car insurance. What makes you think that purchasing disability insurance is so much more difficult?

They are certainly capable of buying it (at least, when regulation means that it is something you often are compelled and assisted to do before taking a newly-purchased car home, and reminded you must do under penalty of law when registering a car, and actually cited for if you fail to do it and are pulled over driving a car—which is a whole lot of pressure taken together), and many do; whether they are capable of making good decisions and weighing alternatives in that process is...unsupported by the evidence you've cited, as is the question of how this is germane to disability insurance absent a similar regulatory environment.

This discussion started out with me saying that you can start your own business even without another person in the house backing you up financially.

Somehow we've gotten from there to a point where you're suggesting that a poor person who is somehow capable of starting their own small business is, by the very nature of being poor, fundamentally incapable of making a good decision regarding disability insurance options. And it is because of this fundamental lack of cognitive ability that we need a regulatory environment demanding that the business owner (who is themself) must purchase disability insurance on their behalf?

I'm sorry, but you've just gotten to the point of nonsense.

> Somehow we've gotten from there to a point where you're suggesting that a poor person who is somehow capable of starting their own small business is, by the very nature of being poor, fundamentally incapable of making a good decision regarding disability insurance options.

I don't think anyone is actually suggesting that.

I was suggesting, essentially, that poverty is a vicious cycle. That, to quote the movie Hell or High Water, "I been poor my whole life. So were my parents, an their parents before 'em ... It's like a disease, passing from generation to generation. Becomes, a sickness, that's what it is ... Infects every person you know"

And obviously this isn't a universal. There are always exceptions, that goes without saying.

That's exactly what started this conversation. /u/rectang made the following statement:

>It's also expensive, inconvenient, time-consuming, and risky to be poor. None of the suggestions you make are "easy" for poor people.

>Consider how much time, energy, and expertise it takes even to research disability insurance and buy the appropriate product.

This whole thing is about me calling out rectang for suggesting that poor people are too stupid to buy disability insurance.

Me: "People don't run fast on broken legs."

You: "The soft bigotry of low expectations..."

Me: It's possible to start a small business without having another person in the house backing you financially.

You: But what if you're mentally disabled?

Me: Tarzan

You: Jane

;)