This is a quote from the book "The ​Virtue Of Selfishness" by Ayn Rand
...hievement are impossible to him — that emergencies, disasters, catastrophes are the norm of his life and that his primary goal is to combat them.

As the simplest empirical refuta
tion of that metaphysics — as evidence of the fact that the material universe is not inimical to man and that catastrophes are the exception, not the rule of his existence — observe the fort unes made by insurance companies.

Observe also that the advocates of altruism are unable to base their ethics on any facts of men’s normal existence and that they always offer �...
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