Ignorance of the future carries a cost today: ambiguity makes risks uninsurable, or at the very least prohibitively expensive.

对未来的无知在今天带来了代价：模糊性使风险无法投保，或者至少保险的价格高得令人望。

Although they may not seem like the most deserving beneficiaries, helping people share uninsurable risks is a worthy goal for governments.

们可能看起来不是最值得的受益者，但帮助人们分享无法保险化的风险是政府值得追求的目标。

And for the average person, if insurance becomes unaffordable, that's really the same as saying that they are uninsurable really is whether you can actually afford to pay for the cover that counts.

对于普通人来说，如果保险变得负担不起，那就等于说们无法投保，真正重要的是你是否真的有能力支付保险费用。