  Notice the transition from (1) the insurance decisions you actually make to (2) the insurance decisions you would have made under imagined equal circumstances to (3) the insurance decisions the average member of society would have made under hypothetical equal circumstances. One might wonder for a start why the last of these should be normative for determining what we owe to Sally, who was raised in poverty and became paraplegic after a ski accident. Counterfactuals about what the average person would have done are arguably of doubtful relevance and counterfactuals about what a particular individual would have done in wildly different circumstances may generally lack truth value.