PSYCHOLOGISM VS INCENTIVES I tend to ignore psychological states, and stick with

PSYCHOLOGISM VS INCENTIVES

I tend to ignore psychological states, and stick with observed actions, since reported ‘belief’ and demonstrated behavior are so widely different. So I would say you can insure something yourself at which point you do not have rights or property, only things under your control given the amount of resistance you can put up, versus when you and your possessions are insured by a group, where you have rights to call upon them to increase the amount of resistance you can put up.

As David Mondrus has suggested, this is the dividing line between libertarianism and propertarianism.