Editing 1494: Insurance

Jump to: navigation, search

Warning: You are not logged in. Your IP address will be publicly visible if you make any edits. If you log in or create an account, your edits will be attributed to your username, along with other benefits.

The edit can be undone. Please check the comparison below to verify that this is what you want to do, and then save the changes below to finish undoing the edit.
Latest revision Your text
Line 8: Line 8:
  
 
==Explanation==
 
==Explanation==
[[Cueball]], apparently having just purchased a new insurance policy, is given a document explaining the policy terms. As is often the case, he's presented as some sort of programmer or at least logically minded person. He reads through the terms that are handed to him, and finds some sort of loophole. This is a play on the fact that programmers tend to look for loopholes in programs, code and system architecture, and treat finding them as a challenge (either to exploit them, or to prevent such exploitation by other parties). The fact that Cueball is trying to discuss his findings with the agent suggests that he's trying to prevent it from happening, rather than planning to do it himself.  
+
[[Cueball]] in this comic, as is often the case, is some sort of programmer or at least logically minded person. He reads through the terms that are handed to him, and finds some sort of loophole. This is a play on the fact that programmers often find loopholes in programs and code, and exploiting them is nothing more than a "cool find" or an interesting idea. More importantly, programmers try to prevent loopholes, which is why it is important to be able to identify them.
  
In this case, the obvious "loophole" in a fire insurance policy is that the customer generally receives a large payment in the event of a fire. This means that a person could make money by insuring a building or other property for more than its actual value, then deliberately setting a fire. Alternatively, someone could set a fire and claim that more valuables were destroyed than actually were. In either case, the customer would effectively receive free money for their troubles. In principle, this could be done repeatedly, resulting in an unlimited source of money.
+
The insurance agent foresees this, and explains that this {{w|Life_hacking|"cool hack"}} - which is known as {{w|Insurance_fraud|insurance fraud}} - is illegal. The comparison here is that exploiting a program's faults can be regarded as interesting or fun, while exploiting the faults in a legal document will most certainly result in some sort of legal repercussions.
  
All of this is implied simply by Cueball reviewing the document, starting to ask a question, and being cut off by the agent, explaining that this {{w|Life hacking|"cool hack"}} is actually just an instance of {{w|insurance fraud}}, which is a) well known and b) highly illegal. In practice, insurance companies are constantly on the lookout for such forms of fraud, and attempting to do so in real life would be more likely to land you in prison than to enrich you.  
+
The insurance agent is also already prepared for the following question - how he knew Cueball would be looking for loopholes, and it's because many programmers visit him.
  
The comparison here is that exploiting a program's faults can be regarded as interesting or fun, while exploiting the faults in a legal document will often result in some sort of legal repercussions. Moreover, most such exploitations that involve money have usually been figured out already, and systems changed or laws passed in order prevent them from happening. When they do occur, the exploiter is subject to legal punishment.  
+
The title text provides another example: While airport luggage security certainly is exploitable, walking out with ''every'' piece of luggage from the conveyor belt would be easily noticeable and would result in being arrested for theft.
  
Cueball begins to ask how the agent knew what his question was, and is again cut off by the agent explaining that he sees a lot of programmers, suggesting that Cueball is not the first to consider that particular loophole.
+
This would appear to be a sequel to [[1469: UV]]
  
The title text provides another example: US airports typically place passengers' luggage on carousels, and leave it to the individual travelers to find and retrieve their own luggage, which would seem to make it easy to take luggage that's not yours (even "all the luggage"), but that's less of a 'hack' than a crude form of petty theft, which contravenes both the law and normal social and ethical expectations.  
+
== Lifehacks vs. IT hacks ==
  
It should be noted that there are places in which it's typical for airports to verify luggage ownership before allowing people to take their bags. In most wealthy countries, this practice has largely been abandoned, because other peoples' luggage isn't typically very valuable, airports are generally fully of security cameras, and walking off with a random piece of luggage creates a significant risk that the actual owner will see you trying to take it. For these reasons, the risks associated with such theft generally outweigh the rewards. A single person trying to remove "all the luggage" would be particularly impractical. Even if they could contrive a method to transport it all, their actions would be so obvious that they would almost certainly be caught immediately.  
+
The term hacking in IT is ambiguous and goes from simple code development to "using a {{w|Hack|hack}}". A hack would then refer to a tricky piece of code doing the intended job in a way that the framework or project in which it is inserted was not intended to. To the general public, 'hacking' a system would normally refer to some illegal way of acheiving a goal against the will of the original developers of the system, like getting a copy of all the data available or taking advantage of some unwanted behavior, but a more distinctive term for such an exploitation (maliciously or after an invitation to perform legitimate penetration testing) would be 'cracking'.
  
The core point, in both of these cases, is that theoretical loopholes, which might be easy to exploit in computer code, are usually wildly impractical in reality, and often carry both moral implications and the risk of punishment.  
+
This comic is making fun of what IT hacks would look like in real world. Surely, taking many luggages from an airport is technically possible and probably not so difficult, but first, it looks weird, and second, it's also obviously illegal. The weirdness of such behavior is more obvious in real life than in IT.
  
[[1469: UV]] also contains a case of insurance fraud.
+
==Transcript==
 +
[Cueball is standing in front of a desk, which a man sits behind. The man is presumably an insurance agent, and is handing Cueball a paper.]
  
==Lifehacks vs. IT hacks==
+
Insurance agent: Here's a page explaining the terms of your new fire insurance policy.
The term hacking in IT is ambiguous and goes from code development (in particular in the opensource community) to the fact of "using a {{w|Hack|hack}}". A hack would then refer to a tricky piece of code doing the intended job in a way that the framework or project in which it is inserted was not intended to. To the general public, 'hacking' a system would normally refer to some illegal way of achieving a goal against the will of the original developers of the system, like getting a copy of all the data available or taking advantage of some unwanted behavior, but a more distinctive term for such an exploitation (maliciously or after an invitation to perform legitimate penetration testing) would be 'cracking'.
 
  
This comic is making fun of what IT hacks would look like in real world. Surely, taking lots of luggage from an airport is technically possible and probably not so difficult, but first, it looks weird, and second, it's also obviously illegal. The weirdness of such behavior is more obvious in real life than in IT.
+
[Cueball reads the paper.]
  
It is worth noting that it is currently popular on social media sites to share small tricks to make one's life easier.  This is called {{w|Life hacking|"life hacking", or "hacking your life"}}.
+
Cueball: Hey, what if I -
  
==Transcript==
+
Insurance agent: And ''here's'' a page explaining that the "cool hack" you just thought of is called "insurance fraud". We already know about it and it's a crime.
:[Cueball is standing in front of a desk, which a man sits behind. The man is presumably an insurance agent, and is handing Cueball a paper.]
 
:Insurance agent: Here's a page explaining the terms of your new fire insurance policy.
 
  
:[Zoom in on Cueball as he reads the paper.]
+
Cueball: Oh. Right. How did -
  
:[Cueball starts to ask the insurance agent a question when he hands Cueball yet another paper.]
+
Insurance agent: I see a lot of programmers here.
:Cueball: Hey, what if I-
 
:Insurance agent: And ''here's'' a page explaining that the "cool hack" you just thought of is called "insurance fraud". We already know about it and it's a crime.
 
:Cueball: Oh. Right. How did-
 
:Insurance agent: I see a lot of programmers here.
 
  
 
{{comic discussion}}
 
{{comic discussion}}
[[Category:Comics featuring Cueball]]
 
[[Category:Aviation]]
 

Please note that all contributions to explain xkcd may be edited, altered, or removed by other contributors. If you do not want your writing to be edited mercilessly, then do not submit it here.
You are also promising us that you wrote this yourself, or copied it from a public domain or similar free resource (see explain xkcd:Copyrights for details). Do not submit copyrighted work without permission!

To protect the wiki against automated edit spam, we kindly ask you to solve the following CAPTCHA:

Cancel | Editing help (opens in new window)