We kind of meet together and we say, if anyone's cabin burns down we'll all come over and help.

我们会聚在一起商定，如果有人的房子烧毁了,我们都会来帮忙。

耶鲁公开课 - 金融市场课程节选

So, people naturally and spontaneously make arrangements to share risks.

所以，人们自发的,商定共同分担风险。

耶鲁公开课 - 金融市场课程节选