[Music]
you are all insured me too I
am assured but is it me
reassure to be assured not really
why because when I disassemble the
mechanism of insurance I need
two legs
an individual who analyze these risks
who decides what he can keep for
him and what he has to share with
other
the second element in a
operation insurance and insurer
then the insurer is the one who will
organize risk sharing
and what does he bring he brings
a guarantee that the transaction between
the insured and the victim is going to be
executed and especially that he will be there at
solvent term to be able to achieve
the operation
at this stage of the analysis of the operation
insurance we say to ourselves ah well
was in a world of uncertainty and
all of a sudden miracle it’s
certain I will be compensated me I am
surprised why am I
certain to be compensated then one
deepens and we realize that
does this insurance in our country in
any case in 80% of the cases go
mandatory on the one hand and on the other
it does not seem obvious to me
basic consumer what does this cost
certainty good I announce you that
when you pay 200 euros in bonuses
ttc on average you will only receive 100
euros of allowances 100%
it’s an operation and a certainty
which costs a bit expensive
in any case for my taste this
solidarity imposed in fact on
perverse effects
then the first effect is that you
says you have a trusted third party
but at no time did you choose to
to trust him
besides, you do not trust him
to trust someone that is
take a risk and society in
which would be zero risk
I reassure you right now does not exist
you have to deal with and manage it
otherwise you have this phenomenon
obligations that fact that it is me
ask more my opinion I take this
insurance because it forces me to
France so I do not know what are
my insurance needs since he
are taxed so in fact insurance
mandatory disempowerment he last
aspect it is much more annoying
because the insurer is a species
of abstraction without personality and
this insurer who does not have
personality
how do i react towards
of him if I decided to steal my
grandmother or go take it in
my mother’s wallet I’m doing a
robbery to a person that’s concrete
pledge
it tapped me on the other hand if
I decide to steal my insurer or
the state is a fraud it is not a
flight since this state I do not know him
I do not know who he is
it induces in the insured is that
did you make me pay 200 euros
of bonuses ttc and ben me I’m going to do
to receive 200 euros
compensation and not the centers
we were talking about earlier
finally what does that mean
that fraud is the variable
adjustment of the insured to arrive
at the price he considers fair
by the way talking about fraud and all
seen in the metro the big campaigns
on untitled travelers
transport
since there was this campaign you
have proposals on the net
to be able to share in a community
the cases where we get caught and where we
must pay the amended
the human being has a lot of imagination
but we can say that since we are
able to organize communities on
digital or on a platform
to be able to share a fine which
is not necessarily a good reason
must still be able to
organize digital communities
for which we can share a risk
together with people we chose the
digital today they open up
fields of application to techniques
who are not quite new who
already existed for some time
but we could not apply them to
implement them
so in these techniques we have you
already talked about the dual big data in
this technique you have the famous
chain blocks so good it’s a little
mysterious but to just say the
block chain this is a process that
uses of cryptography and
algorithmics to be able to allow
a community to validate itself
transactions that happens between
what does that mean
means that finally goes
using these four tools well I can
to create communities in
which people trust each other
which people decide to join and
especially whose currency of exchange the
price of the quality of these transactions
is adapted to the profile of the community
today assured
he can not afford to use the
insurance system in which one
charge 200 euros for 100 euros
of indemnities so well he’s like us
all he walks on the net he says to himself
oh well what could I
make
what am I proposing and then
now he comes across people who him
say ah well if you want to put yourself
together with people with whom
you
health a common point you can you
reunite and by a contribution finance
a chain block process that goes into
makes secure your operations and
especially who will validate them and you
allow to practice her at a price
more just
why the price can be more
just a first reason is that
your automation and your validation
by members of the community
herself
suddenly allows disintermediation
so the cost of this intermediation
and is put aside but the second
aspect is that as you have
decided to bring in the fraud that
was an adjustment variable
nene purpose an adjustment variable and
so it’s a second source of
fairer prices so we can create some
communities that allows people
trust to work with
a fairer price and exercise its
responsibility
that’s called a little bit the principle of
subsidiarity
does that mean what the principle of
subsidiarity you trust the
communities to settle their
problems locally but especially you
relies on the fact that when the
will call the top echelon to
zorro exhausted all of
local solutions and so these
digital communities that can
self manage
it’s a solution to consolidate the
implementation of the principle of subsidiarity
that’s why I take the dream option
to live together tomorrow
ah ah
”
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