If not made mandatory, insurance must at least be promoted effectively. Otherwise, people will build on flood plains in the belief that their government, or the governments of the world, will feel obligated to bail them out, thereby insuring, in effect, bad risks that should not be taken.
如果不实行强制，就必须要采取有效方法推广保险。否则的话，人们就会站在在洪汜平原，坚信他们的政府，或者世界各国政府，有义务来帮助他们摆脱困境，从而坚信根本不该为重大险情投保。