Yeah, it’s kinda like healthcare, just put out the hat when you get sick and all your friends and family kick in, right? There are actually a lot of people who think that’s a viable solution.

But wait, it’s not a viable solution for everyone. So we build organizations which formalize this commitment in the form of a monthly payment.

After a while this becomes predatory and sharp, and the need emerges for this to be formally socialized as a part of living in society.