I was just talking to my daughter about how Black Friday sales and fake scarcity are just attempts to hijack psychology for profit and she was like, "But you have a Black Friday sale," BUT THAT'S DIFFERENT ALICE BECAUSE WE ACTUALLY HAVE A LIMITED NUMBER OF GOODS ITS ALL GOING FAST https://good.store
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At least that's how it's worked at every insurance company I or any of my friends have worked for
On the flip side: the US government never gets insurance on anything. Cars, shipping, etc. They are the largest policyholder and can absorb any loss so insurance isnt worth