Justice as fair insurance supposes that an ex ante perspective determines what we owe one another; fair shares are set by simulated choices made in ignorance of what disabilities any one actually has and in ignorance of what payoffs one's risky choices will bring about. Some reject this ex ante perspective. If money will be of more use to people in the event that they are able than it will be in the event that they are disabled, people in the hypothetical insurance market might tend to choose insurance that pays out if they turn out to be able and requires them to pay in if they turn out to be disabled—but then distributive justice would require transfers from worse off people to better off people on the basis not of any actual choices they make but on the basis of their presumed hypothetical choices—some find this a perverse result (on Dworkin and insurance, see Roemer 2002 and Fleurbaey 2008).