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[–] Broc_Lia 0 points 2 points (+2|-0) ago 

In practice, with live humans, everyone ends up assuming their own problems are the most worthy of securing the pot. Additionally, whichever company manages the fund (hopefully doing legitimate actuarial leg work) will end up being loathe to pay out for even legitimate claims.

Those are legitimate concerns, which is why it's much better to organise it at a community level (like fraternal societies used to) so there's a social price for fucking around.