You have to be a big company to do it and if you have a big company you've exhausted the risk of-- never goes away completely.

你的公司得够大才能做保险这项业务,如果你有个大公司你就能减小风险,不太容易被风险击垮

耶鲁公开课 - 金融市场课程节选

It doesn't work so easily to share with those people along the lines that these communities--I think these communes tend to emphasize a social compact, a feeling for each other, a caring for each other, which is a lovely thought but it doesn't achieve risk management on a big scale.

但要实现跟满足这些条件的人分摊风险,绝非易事,这些共同体。。。我指这些公社,倾向于强调一种社会凝聚力，一种人与人的深情和关怀，这个想法听上去很美,但无法实现大规模有成效的风险管理。

耶鲁公开课 - 金融市场课程节选