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Eugine_Nier comments on LW Women- Minimizing the Inferential Distance - Less Wrong
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That also depends. An insurance company would be well within its rights to charge you a higher premium if you refused to lock your house.
Right — but an insurance company would do that even if it didn't reduce theft overall, but merely shifted theft away from their insured customers onto others. It could even be negative-sum thanks to the cost of locks. If we actually want to reduce theft overall, shifting it around doesn't suffice.