The Dworkinian ideal of justice as fair insurance both incorporates a particular notion of personal responsibility into distributive justice and displaces the identification of justice and equal opportunity. Provided society brings it about that you get the fair insurance payout, and maintains a fair framework of interaction, how you fare is your responsibility in the sense that others are under no obligation to eliminate shortfalls in advantage that might come about as the result of your own choices. The initial opportunities for individuals that justice guarantees need not be equal across individuals, because what anyone is owed is set by the insurance decisions the average member of the community would make.  Bringing about equal resources broadly understood among able and disabled individuals would be incredibly costly, so choosing insurance in ignorance of one's actual disability status, one would not choose a coverage that would yield initial equality across able and disabled, Dworkin supposes.