The fact that our supposedly accidental taste for it has not been eradicated by genetic or cultural evolution means that the cost of indulging in alcohol must be offset by benefits.
You rarely encounter alcohol in nature. Pretty much the only source are naturally fermented fruits, and they don't taste that great. Humanity learned to brew alcohol on purpose fairly recently, so there hasn't been much time to evolve aversion to it.
KING JAMES BIBLE 1611 - DEUTERONOMY Chapter 14:23 And thou shalt eat before the LORD thy God, in the place which he shall choose to place his name there, the tithe of thy corn, of thy WINE, and of thine oil, and the firstlings of thy herds and of thy flocks; that thou mayest learn to fear the LORD thy God always. DEUTERONOMY Chapter 14:26 (The Lord And thou shalt bestow that money for whatsoever thy soul lusteth after, for oxen, or for sheep, or for WINE, or for STRONG DRINK, or for whatsoever thy soul desireth: and thou shalt eat there before the LORD thy God, and thou shalt rejoice, thou, and thine household, For those who believe, you can't get bigger than The Almighty!
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Only insurance companies get paid by law as a requirement (insurance premiums). Banks entice, there is no law making it mandatory for you to pay banks. The insurance industry relies on it's clients not to file claims, of which, they "flip" the clients money by loaning it out (they are so prominent they issue mortgages, now). The insurance industry waited for FEMA instead of immediately handling the claims they are responsible for. How else could America have a record number of hurricanes and insurance rates go down? The insurance industry paid hardly any claims. It is Americans that suffered from corporate America (the auto industry and yes, banks too) moving the good paying jobs over seas for their CEO's record profits. Yes, and there is one last very true note, Bush bails out the banks and A-- insurance with emergency relief, but signed into law, years ago, a law that makes it extremely tough for the average American to file bankruptcy. What about the little guys bailout? No, spa $400,000.00 treatment for the American that lost his and or her job due to outsourcing over seas.
Term, holidays, term, holidays, till we leave school, and then work, work, work till we die. -- C.S. Lewis