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Criticism in other topics
Criticism on several topics in economics can be found elsewhere, in both general and specialized literature. Clothing can protect against many things that might injure the naked human body. In certain instances a Trustee can be appointed to a chapter 11 case.
In a liquidation bankruptcy, the Debtor's nonexempt (ie, legally unprotected) assets are sold off to satisfy creditor claims. A good example of such risk-free interest is a US Treasury security - it yields the minimum return available in economics, but investors have the comfort of the (almost) certain expectation that the US Treasury will not default on its debt instruments
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Inherent problems with insurance
Insurance systems must typically deal with two inherent challenges: adverse selection, which affects any voluntary system, and ex-post moral hazard, which affects any insurance system in
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Adverse selection
Insurance companies use the term "adverse selection" to describe the tendency for only those who will benefit from insurance to buy it. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims