анонимный вопрос

So, we have a situation: a bridge has collapsed, a house has burned down, a mine has caved in, a typhoon has hit, people have suffered, and Putin isn’t around, so there is no one to promise every victim a couple of million rubles from the budget.

The most reliable and systemic solution, upon which ancap theorists place their main bet, is, of course, insurance companies. Knowing that there is no state and that they must rely on themselves, people have far more incentive to insure their risks. Thus, the insured receive payouts, the uninsured lament their stinginess, and everything takes its course: some insurance companies handle the situation with dignity, some are forced to refinance urgently, and some go bankrupt, thereby cleaning up the market. New insurance premiums trickle in, and even more so, because the issue of risk has temporarily risen to the top of the rankings, policies are easier to sell, and everyone strikes while the iron is hot.

But it is not enough to pay money to those who applied for payouts; first, the rubble must be cleared, evacuations carried out, fires extinguished, and so on—in short, the further spread of the disaster must be stopped. This is profitable for insurance companies, but the free-rider effect arises: for example, one company may start the work while another does not, thereby incurring lower costs. A logical solution appears to be the advance creation and maintenance of rescue services by insurance companies, with funding, for example, proportional to policies sold, or simply equally, depending on their agreement. Effectively, for insurance companies, this is something like the reinsurance of risks.

Finally, it may happen that help is needed urgently, but specialized services are far away, or the scale of the disaster is such that specialists certainly cannot cope. In this situation, volunteers, of course, come to the rescue. Volunteers come to help people even in Putin’s Russia, with all its paternalism and all the dangers awaiting those who engage in crowdfunding from the side of the state—so in the absence of this factor, the readiness to come to the rescue will only improve.

Ancap is not some new, unseen social order where everything will be completely different and no old mechanisms will work. Simply mentally remove the state, and in most cases, you will find that it is either not needed at all or is very easy to replace.