 A failure to take adequate account of the environment may also be found in directly-egalitarian resource-based approaches. Dworkin (1981a,b), for example, appears to take the social environment for granted in proposing a hypothetical division of resources into individual bundles. Giving people with impairments equal material shares in a society like our own would hardly satisfy the demands of equality in a physical and social environment designed exclusively for people with standard endowments. Dworkin is aware of the problem, but his solution is to adjust individual shares to include insurance payouts against poor environmental fit, rather than to redesign the environment to reduce inequalities in fit. To that degree, Dworkin appears to tacitly assume a medical model of disability, according to which limitations resulting from impairments are solely attributable to the impairment itself, and, if not correctable, compensable only by the redistribution of resources to people with such impairments. Such compensation may ensure survival, but it does little to enhance or equalize participation, and may in fact hinder participation if Anderson (1999) is right that compensating for disabilities expresses disrespect. Moreover, the size of the insurance payout for a given disability is determined by the amount by which able-bodied people would be willing to insure themselves against the prospect of incurring that disability. Insofar as the judgments of able-bodied people don’t always track the intuitively relevant facts about disability-related disadvantage, such an approach threatens to “bake in” flawed assumptions about the experience of disability into its account of just entitlements for people with disabilities (Bodenheimer 1997a,b).