#I'm not smart enough to know how to dismantle it fairly and restructure it safely so I won't pretend to be

[firebirdeternal]

I think in *theory* their 'product' is supposed to be "organizing the collectivization of risk"-IE, someone has to be the one to take and hold money from Everybody Participating in the System and then dole it out appropriately to people Participating in the System as they need it. But. Well. They do that very badly and very inefficiently in my opinion, mostly because they operate for *profit* and can keep anything they manage to successfully argue they don't *have* to pay and that's just Good for Them, and bad for anybody who wants the system to Work at it's stated purpose instead of as a money taking engine.