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The threat presented by any given individual is assumed collectively by the community who all bear the value of rebuilding lost property and supporting people whose needs are abruptly greater after a lack of some kind. In supportive communities where others can be trusted to comply with group leaders, this tacit form of insurance can work. In this fashion the group may even out the acute variations in insurability that exist amongst its members. Some additional justification is also provided by invoking the moral hazard of specific insurance contracts.

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