There grew up government in the worlds, with leaders, with elders…And a kind of insurance developed in these nights. A man with food fed a hungry man, and thus insured himself against hunger.
– John Steinbeck
The Grapes of Wrath, Chapter 17. In the transient migrant camps where people learn to govern themselves, they develop an insurance against hunger. Those with food share with those who are without, so that nobody goes hungry.