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As the modelling gets better, are we ultimately heading for a future where the only people who are able to get insurance are people who don't need it, because they aren't going to …

Maybe in the original Russian, but the English word "gulag" can refer to an individual camp and not just the organisation that ran them: https://www.dictionary.com/browse/gulag

*murdered

You forgot the part where the central planners herded millions of people into Gulags, starved tens of millions more to death, then executed a few million more for good measure. Oth…

As opposed to other writers whose perspective is "I'm wrong"?

Something I've heard fairly consistently from people who've learned English as a second language is that it's relatively easy to learn English to a basic or intermediate level, sin…