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Jess_Riedel comments on Boredom vs. Scope Insensitivity - Less Wrong
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In most books, insurance fraud is morally equivalent to stealing. A deontological moral philosophy might commit you to donating all your disposable income to GiveWell-certified charities while not permitting you to kill yourself for the insurance money. But, yea, utilitarians will have a hard time explaining why they don't do this.