  Others point out that what insurance you would have purchased against a brute luck calamity might not intuitively align with the different notion, what compensation for suffering the calamity is appropriate. The simplest way to see this is that for many people, money will have more use if one is healthy and normal than if one is plagued with physical disability, so given a hypothetical choice to insure for handicaps, one might prefer an insurance policy that gives one less income if one is handicapped and more income if one is not. The insurance decision may be reasonable but the idea that on this basis we ought to be forcibly transferring wealth away from handicapped people and distributing the resources to the non-handicapped is arguably not reasonable (Roemer 2002, and for more far-reaching doubts about hypothetical insurance, Fleurbaey 2008).