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To: Follies who wrote (38132)	8/1/1999 11:39:00 AM
From: Casaubon	Respond to of 116764

Risk sharing among equally likely risks is the most efficient system which the insurance business will gravitate to. THats why they have good driver and non-smoking discounts. conversely, there are poor driver and smoker premiums. People are denied lifesavings benefits every day. Organs aren't available or procedures are too expensive. Having one heart and two heart transplant patients that need it and making a decision is no different than having a $100K pool of money and two people that each have $100k procedures necessary, and making a decision. Isn't funny though, how the Mickey Mantles of the world end up at the top of the list? <g> Is this the efficient equal risk system you are speaking of? Look, if it's truly based on supply and demand, than distribution must be done in an equitable manner, where need is adressed primarily and otherwise a random lottery, in the case of equal qualifiers.