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The risk is of course not eliminated. It is shifted from the broad shoulders and deep pockets of the company to the shoulders of individuals who are unaware of the risk they are assuming.

The deal is good on average, in the sense of the statistician who drowned in the river that was on average only one meter deep. If you dare to live too long, you are in trouble, just be you can least handle it.

Comforting to know that your children will still be able to buy a luxury car, though.