The idea of risk, that economic risks can be pooled, is an intuitive one that has occurred to people throughout history.

风险理论，即认为经济风险可以分摊，是历史过程中,人们逐渐发现的理论。

耶鲁公开课 - 金融市场课程节选

It's a very complicated situation because the kind of economic risks that we face are difficult for most people to understand.

一个很复杂的情况是,我们所面临的经济风险,很难被大众完全理解。

耶鲁公开课 - 金融市场课程节选

Namely, that he was concerned about inequality, about some people doing badly, and he proposed an economic alternative that would pool risks.

换句话说，他也关心不平等现象，关心生活艰苦的人们，并且提出了另一种经济方案,来汇聚风险。

耶鲁公开课 - 金融市场课程节选