Chang Chin-oh emphasizes that that the law of large numbers mitigates the risk posed by long-lived seniors, because in large pools of people, some live to a ripe old age and others die young. It's the same principle for private life insurance or national health insurance: Large numbers of participants spread the risk.
張金鶚則強調，老人餘命的風險評估是「大數法則」，因為有些人活得長、有些人活得短，就像壽險或全民健保，只要有足夠規模，風險分散後就不是問題。