貧富差距擴大賠不起 民間發起制定「 - 汽車

By Daph Bay
at 2018-12-19T22:56
at 2018-12-19T22:56
Table of Contents
結論寫在前面"我不支持用"錢"衡量的賠償上限, 只支持破產條款類的賠償上限"
先說為啥不支持目前提議的這法案好了,其實目前這風向有一點被煽動利用仇富心
態的味道在裡面.之前看過不少人用法律當作判斷一件事對錯的依據,其實算是不小的
謬誤.法律本身無關道德,它只是達成目的的手段之一.很多事情是有程度區別,立法
的用意只是一刀畫出底線讓大家好遵守,並引導到想要的結果.因此法律大多是負向表
列,所以頂多是說違法代表錯誤,但不違法不代表行為正確,最簡單的玩笑話就是沒抓
到就不算違法了~好的法律是能優秀的引導到當初立法目的並帶來最少的副作用,Ex:
之前版上提議檢舉交通違規要有獎金,中古車S大就有回過"交通法規的用意是要交通順
暢",這條成立的話反而會鼓勵大家技術性製造別人違規來賺錢,反而達不不到"交通流
暢"的目的,至於版友的"促進安全"考量,並不在立這條法的考量內.
那回到以目的是"不要讓無心之過毀了一個人的一生",這條"用錢定義的賠償上限"
效果如何呢?其實大概別的版友說過了,不外乎難以定義適用物品/訂太高就等於沒定,
訂太低就是給人以小換大的合法報復手段,破壞大家追求財富的動力,高階市場崩毀=
新技術更難下放,到最後人人受害,副作用真是夭壽大...唯一在這條裡面無痛爽到的
就是保險公司吧,無痛賺到保額跟賠償額的價差,所以大家可再回去估狗提案人背景搂
至於破產條款前面醫生也有解釋過就不在贅述,缺點就是不少人利用此惡意脫產.
要避免這個,所以我支持的變形版,其實就是Time is Money的概念.用錢衡量最大問題
是同樣錢對每人負擔不同,而時間是唯一對所有人都一致的稀缺資源.實際作法就是
假設A年薪300, B年薪30, B撞到A車,要賠A 600萬,A的損失換算A年薪是工作2年,所以
B就賠A 2年年薪, 可再乘上某個倍率增加嚇阻率,A很在意金錢價差的話再靠保險介入.
荷蘭的罰單也是類似的概念,副作用大概就是年薪取樣不易吧,還是我有啥思考不周的
大家可以再討論看看.
而改法律廢日曠時,就現況來說要避免這狀況也不難,就是超額啊.年繳三五千就
有一千萬以上的保障,至於為啥常看到一堆沒保呢,大家也不要一句三千都繳不起開個
屁車啊..很多時候是資訊落差,還真的不難看到有人不知超額這玩意,畢竟一般人接受保險
資訊的管道就是業務,然後買最多的是儲蓄險,賣我車的業務一開始給的保單還有竊盜
沒超額...站在公司的角度賣賺錢產品絕對沒錯,但站在消費者來說只能說顆顆...消費者
該作的是多多宣傳超額,對保險公司盡量要求降低保費最實際,不過這風向在各大傳媒
幾乎沒有,畢竟對公司沒好處啊~
--
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