Natural disasters ( e.g., earthquakes and volcano eruption), bad weather ( e.g., floods and droughts). And health-related problems ( e.g., individual or epidemic illness, disability, old age and death) have always been a concern to individuals and society. Risks association and building-up of stocks) and, perhaps more importantly, the creation of informal exchange-based risk sharing mechanism, through extended families, mutual gift giving, egalitarian tribal systems, crop-sharing arrangements to deal with risk.