I haven't had the chance to talk to you all about insurance. What exactly is insurance? While getting my car fixed yesterday, I was wondering: What services do insurance companies actually provide? Insurance is a financial transaction, and all financial transactions carry the risk of financial fraud! The New York State government is truly foolish. New York State shouldn't outsource its health insurance program. It should implement universal health insurance like Taiwan. I once said: Universal Health Insurance will never lose money. The reason it loses money is corruption. I can assure all government agencies: insurance companies absolutely make money! If insurance companies don't make money, why are there so many commercial insurance companies? Is it like running a bank that makes money? Of course they are! Have Chinese people ever heard of a bank losing money? A bank never loses money! Moreover, American banks definitely make money. They can print US dollars. This is essentially making money without anything investment(only printers). How could they possibly lose money? All losses are due to human error(all greedy and corruption)! Even an elementary school student can understand this corruption technique!
Insurance is divided into several categories: 1. Life insurance 2. Health insurance 3. Accident insurance! All forms of insurance adhere to one principle: risk diversification! Insurance, like investing, shouldn't put all your wealth in one basket. Instead, it aims to spread the risk of future unforeseen events across a wider range of people, thus achieving the goal of risk diversification. Today's insurance companies are nothing more than scams! The primary group that buys life insurance is those with spare cash. For the average person struggling to make ends meet, I wouldn't recommend buying life insurance. If you don't have enough money to live on, how can you burden yourself with life insurance? It's like saying, "How can someone with no money to live on invest in their finances?" Don't be foolish! Health insurance is a top priority for everyone! While it's certainly important, we're putting the cart before the horse. Do we need the treatment for our health problems, or the treatment can claim money fro the health insurance? Why has Taiwan achieved universal health insurance? Do you know the original purpose of universal health insurance? It's to protect the right to life and healthcare for the poor people! In the past, many poor people in Taiwan died due to delays in seeking medical treatment because they couldn't afford the treatments. National Health Insurance has become the ATM of the medical system, a cash machine for medical institutions! Medical institutions, relying on National Health Insurance, are engaging in "overmedicalization" and "medical waste," the main reasons for the National Health Insurance's losses! "Overmedicalization and waste of medical resources" are the main causes of losses for both National Health Insurance and Labor Insurance. The most important principles of National Health Insurance are: "limited medical care" and "limited benefits"! What is limited medical care? It provides appropriate medical subsidies based on the common illnesses of the poor people! Taiwan's National Health Insurance currently has some confusing subsidy programs, targeting a small number of people and a few illnesses! We must understand: National Health Insurance is a universal benefit. It should be targeted at the "general low-income population," with targeted insurance benefits. Only in this way can the "original purpose of National Health Insurance" be achieved!!
What kind of insurance do people need most? "Accident insurance"! New York State has "mandatory automobile insurance"! Why do I say: Insurance is a financial scam? Mandatory accident insurance is a financial scam! Why are car accidents increasing in New York? Accidents have become the responsibility of insurance companies, and the perpetrators of accidents can evade liability because they have insurance. Accident insurance has become a tool for the wealthy to escape responsibility! As long as I have money and can afford insurance, these wealthy people don't have to bear any legal responsibility! Accident insurance is a disguised form of "punishing law-abiding individuals"! Everyone needs accident insurance, but it shields those who "have the money to intentionally commit crimes"! Why do I say that accident insurance condones crime? I haven't had a traffic accident, but my insurance premiums are rising. Because of the increasing number of insurance accidents in New York State, these insurance companies are shifting their losses onto those who haven't had an accident. Doesn't this condone crime? Insurance companies should increase the insurance premiums of those who have accidents and a lot of ticket violation's people, but instead they are punishing the good people and rewarding the bad people, causing insurance premiums to continue to rise for drivers who haven't had an accident or a ticket. Is this reasonable? There is so much "evil" in the United States! I must emphasize the Book of Revelation again: America is the Babylonian Empire; its collapse is inevitable! The third dark horse of the Book of Revelation is finance. America is a bunch of unscrupulous businessmen! Now I understand why the Book of Revelation uses the dark horse to represent finance! The American tax system has many problems! The American property tax is the most outrageous in the world! American insurance also has many problems! American financial and bank systems have so many, so many problems! I can only point out some of the more "major, fundamental issues." There are so many "details" that I can't share them all. I can clearly tell you the conclusion: Accident insurance causes a large number of "accidents," and these are intentional "accidents"! Medical insurance creates more patients. Do patients really need these "medical procedures"? Medical insurance simply turns more "healthy people" into "sick people." And American banks are the "source of all evil"! I won't discuss banks anymore! The complex relationship between banks and finance makes it difficult to explain clearly. I simply want to tell you that insurance had good intentions, but now it is "evil"! Insurance these days is driving people to commit crimes! To make money, insurance companies resort to every possible means to deceive their customers! "Underwriting"—why are there so many "underwritings"? Insurance companies are like "scammers," promising all sorts of benefits, but ultimately hiding them in the "underwritings." The "underwritings" tell the insured what conditions won't be covered. So, there are many traps within the "underwritings"! We often say: "A real man loves money, but he gets it in a proper way!" Why shouldn't I sell insurance? I think insurance companies are like "scammers," and they're like Trump—robbing money from the poor to give to the rich! As I said: Accident insurance protects criminals and punishes those who follow the rules! The United States has always been a country that rewards the wicked and punishes the good, robbing the poor to give to the rich! This is why the Babylonian Empire in Revelation must fall!!
