Adverse

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adverse

Title text: I'm just here in the hopes that the standard college explainer comic on adverse selection involves clown murder.

Votey

Explanation

This explanation is either missing or incomplete.

Transcript

This transcript was generated by a bot: The text was scraped using AWS's Textract, which may have errors. Complete transcripts describe what happens in each panel — here are some good examples to get you started (1) (2).

[Describe panel here]

Kid, why are children afraid of clowns?

If you have a health insurance pool and healthy people leave, premiums have to increase since the overall population is sicker.

Adverse selection.

That drives out the healthiest people in the remaining group, increasing premiums for those who remain. Iterate this process long enough and the system breaks.

so

Suppose kids are just a little afraid of clowns.

In that case the people least comfortable terrifying children will not become clowns. Thus clowns become objectively more terrifying, prompting kids to be more scared, driving out the least-scary remaining clowns.

At this point in the process, a rational child should assume anyone still willing to go into clowning

Is objectively to be feared.

Son of a bitch!

smbc-comics.com

Votey Transcript

This transcript was generated by a bot: The text was scraped using AWS's Textract, which may have errors. Complete transcripts describe what happens in each panel — here are some good examples to get you started (1) (2).

[Describe panel here]

You really sucked the joy out of serial murder, kid.

c. of

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