Bananas are grown in Southern California commercially. Not at huge scale but del monte still grows and sells them as far as I know.

I think you can still but prepaid phones at department/electronics stores. Not everyone needs or wants a monthly bill.

You are in a difficult life transition moment. I struggled myself at this point of life. I found that sometimes music was the only thing that made me feel ok and that I wasn’t alone. Here is a song in support. It has a wicked bass line and i hope it helps you as you navigate your current situation. You will get through this.

https://youtu.be/Og7u3sKuegM

They don’t mean it’s fair for you. It’s fair for corporations which need the same rights and privileges as people but obviously can’t be held to account like people because shareholders might make less money.

I don’t think an aggregate risk model makes sense for something like car insurance where personal behavior has such a huge impact on payouts.

Health insurance where insurance is a necessity and choices do not necessarily impact risk is where aggregate works better.