If you fail to buy auto liability insurance and cause an accident (which is entirely predictable over long periods), then my first guess is that you deserve the impoverishment that comes from the situation.

If you fail to buy uninsured motorist insurance and are in an accident that you don't cause (which is entirely predictable) and faulty driver has no insurance and can't pay (which is also entirely predictable), then my first approximation is still pretty good. It is a little off because you could be beset with e string of bad luck.

I think of it the other way around. If I see someone happy and reasonably well off, I am first going to say that they had a hand in it. If I see someone continually unhappy or impoverished (setting aside birth luck), my first guess is also going to be that they are mainly responsible for their own outcomes. Turning it round, they are usually getting what they deserve.

Whether that is better or not depends on more than individual morality, so no, I'm not saying it is better.

Also, the examples seem to have focused on material outcomes, since they are easier to talk about, but I'm also thinking of non-material things. Relationships, self-esteem, etc.

Max L.