I have a neighbor who
decided to take action against some of his trees years ago—an
action that I could never bring myself to do. I'm sure he disapproves
of my not following suit. His action? Cutting down a dozen or
more mature trees that surrounded his house. In contrast, I love the
dozen or so trees that surround and lean over my house; I'd
never cut them down!
Why the difference? Don
does not dislike trees; his motivation was to avoid ever having them
blow down and damage his home. He lives in the woods as I do, and
enjoys his trees. He just doesn't want to risk one toppling onto his
roof. Don is also a guy who likes a tidy yard. Each fall he
assiduously sucks up dead leaves with a big machine and deposits them
off in the woods. He definitely doesn't like dead leaves carpeting
his lawn. By cutting down his trees, he has no falling trees or
their leaves to deal with.
So by leaving my trees to
stand tall, I am taking an unacceptable risk in Don's eyes. I like
the pleasure that trees bring me: their beauty and their shade. I
have written on this blog before about sitting in the outdoor tub,
looking up and revering the trees, while fully aware that if one
takes a notion to fall on me, I'm dead.
This contrasting approach
to handling trees reminds me of the teachings of many past and
present philosophers, who pondered the propensity of humans (and all
critters, for that matter) to maximize pleasure and avoid pain. We
constantly make choices that are aimed at enjoying things, while
evading suffering. Don doesn't get immense pleasure from his
trees, and he is certainly determined to avoid the pain of the
expense of roof repairs. His choice is to clear out the trees. I take
great pleasure in my trees, and recognize the pain that they could
cause me, but choose to take the risk.
One of the crucial
factors going on here is one's assessment of the probability
of risk. Both Don and I enjoy and get pleasure from trees. But while
he is not willing to chance a fallen tree, I am. I regard the
probability of a falling tree as low enough that I need not worry
about it. So it's a case of how we read the probabilities and how we
weigh that against our pleasure/pain. We each make our personal
decision.
As I pondered this
contrast between Don and me, it occurred to me that a central reason
why insurance companies exist is to allow us to take pleasure in
those things we enjoy, while the companies step in to decrease the
pain we get when bad things happen. We willingly pay a small amount
of money each month to an insurance account, to build up a sort of
savings. When disaster strikes we are covered. It's a way to game the
system: keep enjoying our pleasures, while we don't have to fret the
possible pain. Insurance companies are accomplished at computing the
probabilities of catastrophes, as they average the costs over many
participants.
The
function of insurance works to benefit those who can afford to pay
for it. A small payment each month is lost in the noise. A downside
of this situation is that it allows advantaged people to take
otherwise unreasonable risks (for example, building their house on a
hillside that is prone to mudslides) and still be covered for losses.
Disadvantaged people, however, (who can't afford insurance) lose
everything when disaster strikes. It's just another unfortunate
example of the differences between the “haves” and the
“have-nots.”