The idea of risk, that economic risks can be pooled, is an intuitive one that has occurred to people throughout history.

风险理论，即认为经济风险可以分摊，是历史过程中,人们逐渐发现的理论。

耶鲁公开课 - 金融市场课程节选

So, the idea that theorists suggest-- and it may be unreachable-- but the perfect financial system would have all of our risks pooled completely.

理论家提出的这一理论-,可能无法达到-,但是一个完美的金融体系,能够将所有的风险完全分摊。

耶鲁公开课 - 金融市场课程节选