Reciprocal insurance of life and property already covers survival conditions. If

Reciprocal insurance of life and property already covers survival conditions. If you need water in the desert, others must give it to you, even if you have no money, although you must pay them back for it later.

There is no altruism. Period. We can’t find it in nature.

We find:

1) Kin selection (kingroup morality)

2) reciprocal insurance (ingroup morality)

3) buying options on cooperation. (outgroup morality)

4) defense against future retaliation (if you don’t give him water he and his might kill you for it) (pragmatism)

There is no altruism.