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By contrasr, in a highly developed, industrialized society, productive workers are dependent on money income. Their jobs are usually specialized, so that the occurrence of some peril that interrupts their income or destroys accumulated property is often a serious economic blow. Help from neighbors is usually impossible to obtain in the degree that it might have been available in earlier times,for individuals cannot take time off from their jobs at will. In the highly developed, industrialized society, standards of living are derived from trading the results of one’s labor for the results of others’ labor. This exchange involves the shipment of good over long distances, which gives rise to many risks not faced in a non-manufacturing environment. Consequently, in industrial societies, methods to meet risks must correspondingly be highly developed.
Insurance as an institution flourishes best within a society in which legal relationships are well organized, known to all, and enforced fairly. An impartial system of justice is an absolute essential to a sound program of insurance, for the insurance device must usually be effected by means of a legally enforceable contract. Where political influence, frequent wars or revolutions, or dishonesty of the people upset the judicial system or law enforcement, insurance does not flourish.

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