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.

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.)

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