What do you think of easy money?

The forwarding of the donation of XX in the circle of friends has been unconsciously fired for several years, and the fundraising link has hardly been broken ~

When I first see it, I will look at it carefully. When I see tears in my eyes, I am willing to take out a meal, hoping that everyone will get better. I never wanted to verify the truth of the matter, and it was not necessary.

However, in recent years, more and more people raise money, and more and more negative news is exposed. Easy financing has also changed from a crowdfunding platform to the largest mutual assistance platform. It can be seen that everyone is very concerned about going to crowdfunding to ask netizens for money when they have no money. I think crowdfunding can really solve the social problem that the poor have no money to treat diseases. Great, the government has been thinking about the medical insurance treatment it has to solve. The problem may be easily solved by these mutual help platforms inadvertently.

However, can the problem really be solved?

Perhaps for the sake of relatives and friends around us, out of affection and friendship, we would do our best without this tool, but friends of friends of friends kidnapped my morality again and again in the circle of friends and asked me to donate money to forward it. Is this the morality of the fundraiser?

For ordinary people, it doesn't matter to give kindness occasionally. It will make people numb all the year round, and ultimately it will be the failure of crowdfunding. There is so much goodwill in society. It is a social sorrow to take advantage of this goodwill and finally let it run out early.

Let's take a look at various mutual aid programs launched by these platforms. As long as everyone saves enough 10 yuan, they can get a serious illness subsidy of 300,000 yuan. In addition, due to low pay and high security, many people are attracted to join the ranks that they can go to bonus hunter.

Snail Jun will still receive questions from many friends: this kind of mutual assistance is not reliable, and some have friends with good family conditions. I don't understand this mentality. This is a greedy and cheap mentality. Why do you say that? There are two reasons.

First, the user is bonus hunter.

From the perspective of pricing, the probability of various diseases is almost certain. As long as the mutual help platform finds enough people to join, it should be counted as a balanced price. If the price is higher, it will be a profit. What is the lower price?

This is a loss. This kind of mutual assistance is purely within the scope of insurance, but it has not been basically guaranteed. The fact is that it is much lower than the real equilibrium price. Are these mutual aid companies doing charity? Is there a lot of money to pay in this? All I can think of is to develop a number of telephone numbers in the future.

It is the customer who has been cheated and paid a little money, but the funds in the fund pool will be lost quickly according to the probability. Then everyone is also arguing about who is sick early, but do you really want to be exposed to this light? The fund pool is completely lost. It must be the next round that everyone will make up the money and come back after the loss, or the matter of getting the phone number directly on the platform will be over, and there will be no more, so that customers who have not lost money will bear the losses themselves.

Therefore, don't think that paying so little money and getting so high security is a big bargain. In the end, only those who get sick early benefit, and those who get sick late have no support. Those who are not sick will be arrested, because the amount involved will not be very large, so they are currently in a state of unsupervised by various institutions.

In addition, the health survey will be carried out anyway, and the survey after the accident will be very careful, which can reduce the risk of claims. However, there is no health survey for mutual assistance, and there is only a waiting period of half a year, which can only play the role of mending after the sheep is dead, and the number of people who participate in mutual assistance may be higher, which will accelerate the depletion of the fund pool.

Second, what is more serious is moral hazard.

People will gradually become numb to donating money to help each other. What is kidnapped is human morality, so that more people who could have relied on themselves can rely on the power of society. You know, these hundreds of thousands of crowdfunding expenses could have been solved by insurance, but the vast majority of China people either have no insurance awareness and assume that insurance is a liar, or they put all their hopes on the public and feel that they are weak and should be pitied. It is true that society should be sympathetic to the weak, but this does not mean that it is an obligation, let alone that the vulnerable groups can give up their ability and action of self-reliance. This is a double-edged sword.

So about mutual assistance, Mr. Snail's point of view is: you can participate, but don't take mutual assistance as the whole guarantee. You should pay the guarantee fee yourself. There are not so many bargains in the world. Don't pin all your hopes on others. You are the most reliable, and ordinary preparation can also help you at critical moments.

Finally, talk about supplementary insurance. In the contact range of many people, a few hundred thousand insurance often costs tens of thousands a year, which is beyond the reach of ordinary families, so it will be abandoned. This is the sadness of insurance companies. Over the years, people have been branded with such an unreliable impression.

But the fact is that the poor have the poor's buying method, and the rich have the rich's buying method. For the basic medical expenses needed for survival, the poorer the family, the more it needs. A few hundred dollars a year cheaper, even the poorest families can afford it. A slightly targeted year is only two or three thousand yuan, which can at least guarantee that some high-incidence diseases can be completely guaranteed. This cost level is really cheap, which makes my heart ache when I see the fundraising news.

By buying the cheapest insurance, you can turn the heavy burden of illness into a trivial matter that you can easily solve. Why do you really have something to ask others, kidnap others' morality, and let unrelated netizens donate money?

Not causing trouble to others is the most powerful expression of our dignity.

(Insurance professionals rely on snails to prevent pits. Jun Zhihu: Snails say insurance)