一个没有重大医疗需求的人会有等待的动机——直到得病时才买保险，这个决定增加了为每个人投保的成本。
A person without significant medical needs has an incentive to wait - to buy insurance later if and when he gets sick, a decision that raises the cost of insurance for everyone else.
一个人购买的保单应当以最少的花费提供最大的保护，给合适的家庭成员投保，以及考虑家庭的财务需求。
One should buy the policies that give the most protection at the least cost, insure the right family members, and consider the family's financial needs.
第二，我强调，银行挤兑以多种形式运行，并且即使在个人存款人投保后也有可能发生银行挤兑。
Second, I emphasise that bank runs come in many forms and bank runs can occur even when individual depositors are insured.
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