When they invented fire insurance, in the 1600s, there was a lot of skepticism because anyone can burn down their house.

十七世纪时，人们发明了火险，当时存在很多质疑,因为任何人都可以烧毁他们的房子。

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You don't want your house to burn down,

你可不想让你的房子给烧毁，

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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。

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It could be me that-- my cabin could burn down and I would freeze to death in the winter.

因为也许中招的会是我-,我的房子可能被烧毁,冬天我可能会被冻死。

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It's not going to burn any other houses down since it's just completely independent of anything else.

由于火灾是独立事件,他的房子着火了并不会烧毁别人的房子

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I get fire insurance on my house and so I behave badly: I deliberately burn the house down to collect on my insurance.

我为我的房子投了火险，于是我就：,我故意烧毁房屋,以便领走保险金。

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Anyway, the person wrote-- he was talking about fires and was proposing that people should pay 1% of the value of the home every year into a fund and then the fund would be used to replace the home if it burned down.

反正,这人写道...,他当时是讨论火灾,并提出,人们应该每年将自己房屋价值的1%的金额,交给一个基金会,那么如果有房子烧毁了,基金会就可以用这笔钱来重建它

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