Sham insurers can take many forms, including phony associations (think the Scuba Divers Associationof Nebraska) or even third-party human-resource administrators.
According to Greek philosophy, one of the defining characteristics of humanity that distinguishes it from other formsof existence is a deeply engrained social instinct, the need for association and affiliation with others, a need for friendship.
Furthermore, in many associations, the members will regularly provide additional financial support, which comes in a wide variety offorms such as contributions to a foundation as well as the services and products they purchase from the association.