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Some communities want to create digital insurance among themselves by different means than contractual risk transfer, which assigns express numerical values to risk. Quite a lot of non secular groups, together with the Amish and some Muslim teams, rely upon assist offered by their communities when disasters strike. The risk introduced by any given person is assumed collectively by the group who all bear the cost of rebuilding misplaced property and supporting folks whose needs are all of the sudden greater after a lack of some form. In supportive communities the place others could be trusted to observe neighborhood leaders, this tacit form of insurance coverage can work. In this method the community can even out the acute differences in insurability that exist amongst its members. Some additional justification can also be supplied by invoking the ethical hazard of express insurance coverage contracts.
