Excerpt from Insurance and Crime: A Consideration of the Effects Upon, Society of the Abuses of Insurance, Together With Certain Historical, Instances of Such Abuses
In attempting a discussion of insurance as a producer of morbid conditions in society, I enter upon a field that, so far as I know, has never been explored in its length and breadth before. While highways, inventions, finance, and many other phases of activity in modern life are dealt with by those who trace their effects, good or evil, upon society, insurance thus regarded has attracted the attention of exceedingly few writers. Yet it must be obvious to anyone who will give the matter a moment's thought that our modern world is a vastly different world from what it would have been without insurance. When we find an influence helping to mould the world in which we live, it seems well worth while to consider in what way that influence works.
Nobody having, so far as my knowledge goes, preceded me in this field, I am obliged to make a first-hand study, to collect and sift such material as is within my reach, and to rely upon my own judgment for my conclusions, unguided and uuwarned by the work of others. If I am, then, as I believe, an explorer in a new field, I shall not be accused of presumption if I claim the explorer's privileges as well as undergo his labours. The explorer is not expected to do the work of the topographer, to note every small detail and give distances and directions with mathematical exactness. His report covers the general features of the territory, together with such minor facts as strike him as noteworthy.
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