Keltham will gamefully endeavor to describe such concepts as 'insurance' and 'Quiet Cities'.

Serious injuries are rare in Civilization.  Serious injuries that eliminate your ability to work are even rarer, there's a lot of thinky work and anything that damages your ability to think usually leads to the horrified victim electing to go straight into cryonic suspension.  Insuring against rare bad outcomes is cheap.  Keltham's annual insurance premium against that and a lot of other stuff was one four-hour workday's wages.

That said, five percent of the population ends up just... not fitting into Civilization, finding the work that Civilization offers unpleasant enough and the standard rewards not really fun enough that they'd just as soon not work and not get those rewards.  The planet of dath ilan is something that nobody out of dath ilan created; land on which to put houses, land in which to mine metal ores, people who don't want to work have as much prior claim on those resources as people who do.  And if the rest of Civilization hasn't presented you with anything you really want to participate in, if your parents decided to marry some other person who was similarly weird to themselves and roll the dice on the dangers of assortative mating producing weird neurotypes, there is some logic by which you might hold yourself injured by having been brought into a world like that, being the person that you are.  The Quiet Cities are cheap; someone's share of all the rents on all the lands is sufficient to pay for food and shelter and clothing, there.

The gotcha is that you cannot have kids, and then go to a Quiet City; when you have children, the right to be supported by Civilization passes out of you and to them.  They can go to a Quiet City, you can't.  If you're not very confident in your ability to support yourself, you're definitely not properly confident in your ability to support kids.

Anyone, always, no matter who they are, or what they have done, or what else has happened, has the absolute right to go into cryonic preservation and pick things up again in the Future.

If both parents die and didn't earlier find anyone who seemed like a great fit to take over their kid - and who actually wanted a Sudden Extra Child in that event - the right to raise that child goes up for sale to some fairly competitive bidding among people who want to raise a child but don't want the Moral Responsibility of Creating a Child.  Obviously a subsidized prediction market needs to forecast that the child will end up okay with those parents before they're allowed to bid.

Serious injuries are rare in Civilization.  Serious injuries that eliminate your ability to work are even rarer; there's a lot of thinky work, and anything that damages your ability to think usually leads to the horrified victim electing to go straight into cryonic suspension.  Insuring against rare bad outcomes is cheap.  Keltham's annual insurance premium against that and a lot of other stuff was one four-hour workday's wages.

That said, five percent of the population ends up just... not fitting into Civilization.  They find the work that Civilization offers unpleasant enough and the standard rewards not really fun enough that they'd just as soon not work and not get those rewards.  The planet of dath ilan is something that nobody out of dath ilan created; land on which to put houses, land in which to mine metal ores, people who don't want to work have as much prior claim on those resources as people who do.  And if the rest of Civilization hasn't presented you with anything you really want to participate in, if your parents decided to marry some other person who was similarly weird to themselves and roll the dice on the dangers of assortative mating producing weird neurotypes, there is some logic by which you might hold yourself injured by having been brought into a world like that, being the person that you are.  The policy prediction markets, in fact, are targeting at most five percent people going to Quiet Cities, as was voted-upon; which means that the ones who do end up going Quiet are people that in some sense Civilization has elected to sacrifice in that way, as the cost of other people doing more what they want and various policies not being more tightly constrained.  The Quiet Cities are cheap; someone's share of all the rents on all the lands is sufficient to pay for food and shelter and clothing, there.

The gotcha is that you cannot have kids, and then go to a Quiet City; when you have children, the right to be supported by Civilization passes out of you and to them.  They can go to a Quiet City, you can't.  If you're not very confident in your ability to support yourself, you're definitely not properly confident in your ability to support kids.

Anyone, always, no matter who they are, or what they have done, or what else has happened, has the absolute right to go into cryonic preservation and pick things up again in the Future.

If both parents die and didn't earlier find anyone who seemed like a great fit to take over their kid - and who actually wanted a Sudden Extra Child in that event - the right to raise that child goes up for sale to some fairly competitive bidding among people who want to raise a child but don't want the Moral Responsibility of Creating a Counterfactual Child.  Obviously a subsidized prediction market needs to forecast that the child will end up okay with those parents before they're allowed to bid.

Serious injuries are rare in Civilization.  Serious injuries that eliminate your ability to work are even rarer; there's a lot of thinky work, and anything that damages your ability to think usually leads to the horrified victim electing to go straight into cryonic suspension.  Insuring against rare bad outcomes is cheap.  Keltham's annual insurance premium against that and a lot of other stuff was one four-hour workday's wages.

That said, five percent of the population ends up just... not fitting into Civilization.  They find the work that Civilization offers unpleasant enough and the standard rewards not really fun enough that they'd just as soon not work and not get those rewards.  The planet of dath ilan is something that nobody out of dath ilan created; land on which to put houses, land in which to mine metal ores, people who don't want to work have as much prior claim on those resources as people who do.  And if the rest of Civilization hasn't presented you with anything you really want to participate in, if your parents decided to marry some other person who was similarly weird to themselves and roll the dice on the dangers of assortative mating producing weird neurotypes, there is some logic by which you might hold yourself injured by having been brought into a world like that, being the person that you are.  The policy prediction markets, in fact, are targeting at most five percent people going to Quiet Cities, as was voted-upon; which means that the ones who do end up going Quiet are people that in some sense Civilization has elected to sacrifice in that way, as the cost of other people doing more what they want and various policies not being more tightly constrained.  The Quiet Cities are cheap; someone's moral share of all the rents on all the lands is sufficient to pay for food and shelter and clothing, there.

The gotcha is that you cannot have kids, and then go to a Quiet City; when you have children, the right to be supported by Civilization passes out of you and to them.  They can go to a Quiet City, you can't.  If you're not very confident in your ability to support yourself, you're definitely not properly confident in your ability to support kids.

Anyone, always, no matter who they are, or what they have done, or what else has happened, has the absolute right to go into cryonic preservation and pick things up again in the Future.

If both parents die and didn't earlier find anyone who seemed like a great fit to take over their kid - and who actually wanted a Sudden Extra Child in that event - the right to raise that child goes up for sale to some fairly competitive bidding among people who want to raise a child but don't want the Moral Responsibility of Creating a Counterfactual Child.  Obviously a subsidized prediction market needs to forecast that the child will end up okay with those parents before they're allowed to bid.

Serious injuries are rare in Civilization.  Serious injuries that eliminate your ability to work are even rarer; there's a lot of thinky work, and anything that damages your ability to think usually leads to the horrified victim electing to go straight into cryonic suspension.  Insuring against rare bad outcomes is cheap.  Keltham's annual insurance premium against that and a lot of other stuff was one four-hour workday's wages.

That said, five percent of the population ends up just... not fitting into Civilization.  They find the work that Civilization offers unpleasant enough and the standard rewards not really fun enough; they'd just as soon not work and not get those rewards.

The planet of dath ilan is something that nobody out of dath ilan created.  Land on which to put houses, land in which to mine metal ores - people who don't want to work have as much prior claim on those resources as people who do.  And if the rest of Civilization hasn't presented you with anything you really want to participate in, if your parents decided to marry some other person who was similarly weird to themselves and roll the dice on the dangers of assortative mating producing weird neurotypes, there is some logic by which you might hold yourself injured by having been brought into a world like that, being the person that you are.  The policy prediction markets, in fact, are targeting at most five percent people going to Quiet Cities, as was voted-upon; which means that the people who do end up going Quiet are persons that in some sense Civilization has elected to sacrifice in that way, as the cost of other people doing more what they want, and other policies not being more tightly constrained.  The Quiet Cities are cheap; someone's moral share of all the rents on all the lands is sufficient to pay for food and shelter and clothing, there.

The gotcha is that you cannot have kids, and then go to a Quiet City; when you have children, the right to be supported by Civilization passes out of you and to them.  They can go to a Quiet City, you can't.  If you're not very confident in your ability to support yourself, you're definitely not properly confident in your ability to support kids.

Anyone, always, no matter who they are, or what they have done, or what else has happened, has the absolute right to go into cryonic preservation and pick things up again in the Future.

If both parents die and didn't earlier find anyone who seemed like a great fit to take over their kid - and who actually wanted a Sudden Extra Child in that event - the right to raise that child goes up for sale to some fairly competitive bidding among people who want to raise a child but don't want the Moral Responsibility of Creating a Counterfactual Child.  Obviously a subsidized prediction market needs to forecast that the child will end up okay with those parents before they're allowed to bid.

Serious injuries are rare in Civilization.  Serious injuries that eliminate your ability to work are even rarer; there's a lot of thinky work, and anything that damages your ability to think usually leads to the horrified victim electing to go straight into cryonic suspension.  Insuring against rare bad outcomes is cheap.  Keltham's annual insurance premium against that and a lot of other stuff was one four-hour workday's wages.

That said, five percent of the population ends up just... not fitting into Civilization.  They find the work that Civilization offers unpleasant enough and the standard rewards not really fun enough; they'd just as soon not work and not get those rewards.

The planet of dath ilan is something that nobody out of dath ilan created.  Land on which to put houses, land in which to mine metal ores - people who don't want to work have as much prior claim on those resources as people who do.  And if the rest of Civilization hasn't presented you with anything you really want to participate in, if your parents decided to marry some other person who was similarly weird to themselves and roll the dice on the dangers of assortative mating producing weird neurotypes, there is some logic by which you might hold yourself injured by having been brought into a world like that, being the person that you are.  The policy prediction markets, in fact, are targeting at most five percent people going to Quiet Cities, as was voted-upon; which means that the people who do end up going Quiet are persons that in some sense Civilization has elected to sacrifice in that way, as the cost of other people doing more what they want, and other policies not being more tightly constrained.  The Quiet Cities are cheap; someone's moral share of all the rents on all the lands is sufficient to insure against their possible lifelong need for food and shelter and clothing, there.

The gotcha is that you cannot have kids, and then go to a Quiet City; when you have children, the right to be supported by Civilization passes out of you and to them.  They can go to a Quiet City, you can't.  If you're not very confident in your ability to support yourself and explicitly pay insurance premiums, you're definitely not properly confident in your ability to support kids.

Anyone, always, no matter who they are, or what they have done, or what else has happened, has the absolute right to go into cryonic preservation and pick things up again in the Future.

If both parents die and didn't earlier find anyone who seemed like a great fit to take over their kid - and who actually wanted a Sudden Extra Child in that event - the right to raise that child goes up for sale to some fairly competitive bidding among people who want to raise a child but don't want the Moral Responsibility of Creating a Counterfactual Child.  Obviously a subsidized prediction market needs to forecast that the child will end up okay with those parents before they're allowed to bid.