Cherry picked examples don't prove that it isn't context dependent.

That why i usually keep to the insurance example, i agree that comparing municipality power to private companies owning a monopoly is unfair.

Administrative costs for insurance are very easy to verify, and the facts stay consistent across countries. If i cherry picked something, it is the admin overhead for US insurers. US health care insurers are particulary effective with their average of 14% admin overhead, SwissLife, that used to be my private insurer, had a year with 30%, which make the comparison quite unfair).

▲

SubiculumCode a day ago | parent [-]

I mean insurance is very specific industry, and does not easily generalize.

	▲	orwin 3 hours ago \| parent [-]
		Insurance is the perfect industry because in no other industry you can calculate efficiency this easily: if I give you 100, how much is used to reimburse other insuree. It turns out for public insurance, often more than 90, even in more corrupt countries, and for private insurance, often anywhere between 70 and 90.