Gambling analogy

Play and reward of transfer of insurance risk and.

The transactions of play offer the possibility of a loss or a profit. The play creates losers and gaining. The transactions of insurance do not present the possibility of profit. The insurance offers the financial assistance sufficiently to replace the loss, not to create the pure profit

The players can continue to spend, buying more risk than they can be allowed to pay. The purchasers of insurance can only spend until the limit of what the carriers would agree to ensure; their loss is limited to the quantity of the premium.

The players, by creating the new transfer of risk, are researchers of risk. The purchasers of insurance are avoiders of risk, creating the transfer of risk in terms of their need to reduce the exposure to great losses.

The play or the play is conceived at the beginning so that the chance is not affected by the control or the behavior of the players and is not required to lead practices as regards reduction of risk. But the players can prepare and increase their chance of the profit in certain plays such as the poker or the nerve of ox. Contrary to the play or the play, to obtain certain types of insurance, such as the fire insurance sets fire to, assured can be required to lead practices as regards reduction of risk, such as installing water carts and employing fireproof building materials to bring back the chance of the loss on the ignition. Moreover, after a proven loss, the insurers specialize by providing the readjustment to reduce all the loss to the minimum.

The insurance, to avoid, attenuate and transfer from the risk, creates a greater foreseeability for individuals and organizations.