

There’s a limit to the gains from pooling insurance risk. Sure, you gain a lot by going from 1000 people in a pool fo 10000. But 10 million to 20 million? You reach a point where the law of large numbers takes over and adding more people doesn’t produce further gains.






They’re stupid simple devices though. There’s not even any circuitry in a solar panel. There’s nothing to slip a backdoor inside. There’s caution, and then there’s just xenophobic paranoia.