Typically, in our society, we attempt to control or manage these risks
by obtaining insurance, or by using greater care in our day-to-day behavior
and choices. For example, you may very well currently have an insurance
policy that protects you from auto theft, collision, and bodily injury. You
might have medical, life, homeowners, or unemployment insurance. And if
you are really responsible, you probably exercise, eat right, and look both
ways before you cross the street.