其一，人们不再会因火灾、水灾、疾病、失业、企业倒闭、部门兴衰等因素而遭受打击，因为运转良好的金融-保险系统会分散从而消解一部分风险，并能将惧怕某种风险的人与能够安然承受这种风险等人之间匹配交易。
First, people are no longer as vulnerable to the effects of fires, floods, medical disasters, unemployment, business collapses, sectoral shifts, and so forth, because a well-working finance-insurance system diversifies and thus dissipates some risks, and deals with others by matching those who fear risk with those who can comfortably bear it.