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See, that’s what the app is perfect for.

Sounds perfect Wahhhh, I don’t wanna
argumate
argumate

mitigatedchaos said: maybe but if we care about offsetting risks and pricing them in, then by putting insurance we set a more market-based assessment of that

in theory yes, although in practice it just lifts the regulation up one level to apply to the insurance company instead.

shieldfoss

Not so!

It lifts some of the regulation up one level to apply to the insurance company!

The difference between being regulated by the state and being regulated by an insurance company is the profit motive: I am going to apply for the insurance that is the cheapest for me, in combined fee-to-insurer and time-spent-on-paperwork. 

This encourages the insurance companies to find the most efficient level of regulation, because if it is inefficiently high, they will lose customers, and if it is inefficiently low, they will lose money when their customers customers get sick.

shieldfoss

I mean the state typically regulates the insurance industry very closely, to the extent of issuing specific terminology they have to use in contracts

“The state ruins everything, news at 11.”

Obviously nothing* can be done about the state inserting itself to actively ruin value when it doesn’t get punished for ruining value. Read the text more like if you, yourself, were a government official concerned with making the world a better place. You can regulate directly, or you can find some different method - enforce strict liability on restaurants (but then you’d have the inefficiency of lawsuits) or require a bond posted for accident payments (but then…) or you can just require people to have insurance and get out of the way.

*If you disagree, see me behind the tescos at 11, bring a canister of gasoline.

argumate

ah instead of the state micromanaging the insurance companies it should just mandate that they need to take out policies from a meta-insurance company!

mitigatedchaos

Also don’t forget that insurance companies will try to sneakily cut out items from the insurance coverage that we wanted to cover the risk in the first place. We want to exclude lesser insurance policies, which is why insurance was mandated to begin with. In this case my motive was not the pure efficiency of the market, but to accurately price risk and put it on the bill, among other things.

argumate
argumate

mitigatedchaos said: maybe but if we care about offsetting risks and pricing them in, then by putting insurance we set a more market-based assessment of that

in theory yes, although in practice it just lifts the regulation up one level to apply to the insurance company instead.

mitigatedchaos

@collapsedsquid: then you have to regulate the insurance as well

Well, you regulate the insurers, the insurers regulate the vendors.  What’s perhaps lacking is a high-cost no rules insurance option.

The thing being that if the risk of actual poisonings is low, then once spread out over the population it, hypothetically, shouldn’t cost that much.  And if it’s high and the state is responsible for healthcare, selling w/o insurance is potentially a form of free riding.

A lot of these things, we wouldn’t care if people did risky things if we didn’t have to pay for it or strain our empathy because we insisted we not pay for it but they don’t have $$$ for it either.

collapsedsquid
argumate

2357911131719 said: The more obvious reason is that microcredit is seen as a charity while payday loans are seen as a business; there’s a lot more willingness to assume good faith in the former than the latter

right, but microcredit interest rates are really high! the perception may differ, but are they actually different in practice?

collapsedsquid

I thought the idea was that microcredit was used as an investment to start a business, while payday loans are consumption smoothing to help you get by. 

argumate

hence the original point that in the developed world it’s almost guaranteed that any business you try to start with a payday loan will be illegal due to contravening one regulation or another, and that’ll get you a stranglin’

in impoverished areas you can just buy a goat and sell the milk or try to exploit arbitrage opportunities by buying stuff here and selling it there, and while you may face a number of challenges including unofficial corruption the state is generally weak enough that it won’t immediately shut you down.

collapsedsquid

I think it’s more that anything that’s not illegal is already being done much better than can be done with such a small amount of capital.

mitigatedchaos

That’s one of the other major reasons. A lot of things can be productive, but not productive *enough*.

Source: argumate
ranma-official
ranma-official:
“ mitigatedchaos:
“ ofurotaro:
“ うそつきのベロを引っこ抜け
最初にセリフ聞いた時はなんじゃこの娘(ドン引き)だったんですが
一周回って可愛く見えてきました
”
Is this gonna be the new thing now, Ranma? Tongue-pulling?
It’s like the Internet is just rolling random dice to confuse me.
”
>new
Miti...
ofurotaro

うそつきのベロを引っこ抜け

最初にセリフ聞いた時はなんじゃこの娘(ドン引き)だったんですが
一周回って可愛く見えてきました

mitigatedchaos

Is this gonna be the new thing now, Ranma? Tongue-pulling?

It’s like the Internet is just rolling random dice to confuse me.

ranma-official

>new

Miti doesn’t stay on top of degeneracy I see

mitigatedchaos

Admittedly, my subscriptions to Anime Degeneracy Newsletter Online and its supplement ecchi manga Hentai Josei Degene-san lapsed and I didn’t bother to renew them, so


Am I insufficiently degenerate to qualify as Anime Right in addition to insufficiently right-wing?  What if I got a MAGA hat and wore it backwards?  If I become pure enough, does it loop around and become degeneracy again?

How do I connect to the youth these days with their strange pro/anti-fascist gang signs, - √13 levels of irony, expanding spongebob frog brain political compass memes, and personified animal low-budget waifus?

Source: ofurotaro shtpost art chronofelony oc the mitigated exhibition
mitigatedchaos
mitigatedchaos

The Mitigated Chaos Plan for School

@silver-and-ivory

…that’s true.

I don’t know what a good solution would look like, but it doesn’t have to involve any more high-IQ individuals than we have now, just a better distribution of resources schools already have.

I want to test solutions to the current system, and to find many different possible set-ups that are different from the one we have now. (They might not scale well, of course.)

Even improvement in a limited geographical area or to some minor aspects, for relatively affluent middle-class individuals, would be really valuable to me.

Roight, let me suggest my plan, which would only help matters that you want tangentially most likely.

Are you familiar with Spaced Repetition?  It’s used in programs like Anki.  The basic summary is this: your brain flags things as important by whether or not you use them, and forgets them gradually over time.  Spaced repetition brings the item up again at a certain point in the forgetting, so that your brain goes “oh hey this came up again, it must be important, I better remember it!

Gamification is also a thing, and I have a theory that a big part of why people don’t like school stuff is that it doesn’t feel applicable, or that it will ever be applicable.  But while I do not enjoy math for its own sake, I feel almost no resistance to doing math when I have to in order to accomplish some other task.

I’d like @argumate to read this post, too, and probably a few of the others as well.

So here’s my proposal:

1. This will be primarily implemented as a computer program.  It will be implemented on a custom computer system that is not easily compromised.

2. All textbooks will be presented in both a fuller, contextualized format, and as semi-atomic facts of information, ready for use for spaced repetition memorization.

3. Exercises will be split between grinding and synthesis.  Synthesis exercises will sometimes be in the form of game-like programs that have a complex problem which the students must integrate their knowledge of the subject to perform.  (That is, students must be able to take the knowledge and use it and apply it, not just repeat it.)  Other times, for other subjects like English, they will be items like essays that are manually graded by teachers.  Students earn resource points to attempt synthesis exercises through grinding exercises, which are the rote learning component intended to reinforce the knowledge and speed up processing (e.g. of doing math).  If you fail the synthesis exercise, you may have to do more grinding to attempt it again.

4. The computer program will conduct a review of all the subjects the student needs to know, based on spaced repetition algorithms and data about the student and their previous performance.  This prevents the constant information loss that is pervasive in the American school system.

5. All of this is individualized.  Students go at their own pace, and graduate when it has all been completed, or are pushed out of the school system at 21.

6. Homework is mostly rare or non-existent.  Instead, students will stay another hour or two at school.  Homework is for doing exercises, which we are having them do at school.

7. The school day will be broken up by various social activities to let students’ brains relax in between blocks of studying, which will still be somewhat unified by subject of study to make #8 easier.

8. In addition to grading work, teachers will also act as tutors to individual students.  Students will be grouped in classes with students who are in a similar position of progress within the system.  Teachers will go around the room answering various questions and helping students with items they are having trouble with.  There may be some small lecturing sections, maybe.


The following is less necessary, but additional depending on your balance of Nationalism/Capitalism/Technocracy/etc.

9. Students will be awarded points based on a mix of (about 1/3 each) progress, attendance, and and percentile academic standing within their school.  These points can be spent on a very larger variety (over 100) of uniform parts, snacks, media, and other items at participating retailers.  This has the virtue of aligning the school’s social hierarchy more closely with the desired outcome of learning & academic performance, as well as giving students practical experience with small amounts of “money”.

10. Research shows that teaching math below a certain age doesn’t actually accelerate learning progress on it much at all, so for very young students, the system will focus on “moral/social” education and socialization and potentially language skills.  

mitigatedchaos

Also maybe @xhxhxhx aaaand uh @nuclearspaceheater and maaaaaybe @bambamramfan?  And possibly @slartibartfastibast in case there is some hole in Rationalism here I’m bumping into without noticing.

I know there has to be some huge glaring error I’m missing here other than “state-sponsored software project completed successfully”.

Source: silver-and-ivory
collapsedsquid
mitigatedchaos

IoW, part of the plot here is to avoid the Welfare Trap, where you make more money staying on welfare than getting off of it, up to a certain amount.  Making and (profitably) selling cheeseburgers or something generates more value than sitting around, meaning the base wage before subsidy is higher, so the total pay is higher.

We can start by lowering the minimum wage some and adding the subsidy some and then seeing what the level of wasteful behavior is and just how much load we’re putting on the economy.  We can then increase or decrease appropriately.