This is a quote from the book "The Virtue Of Selfishness" by Ayn Rand
...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.
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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 �
�lifeboat” situations as examples from which to derive the rules of moral conduct. (“What should you do if you and another man are in a lifeboat that can carry only one?” etc.)