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  • Charlie,According to your argument, If I prepay for any service it is a form of insurance and needs regulation;My local car service gives a coupon for every local ride and coupons entitles you to a free ride, is that legal?I have an anual snow contract to have my parking lot plowed every time it snows (if it snows) and I prepay for the year, is that insurance, is that legal?In a democratic society
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