For those commentators who are knowlegeable about Adverse section in economics, do you think this theory can be applied to social media such as IC in case of users with multiple IDs? Those with multiple IDs are similar to high risk buyers in insurance markets. Just like high risk buyers in insurance markets, are more likely to buy insurance, these high risk bloggers/commentators register with multiple IDs so when one or few IDs get blocked, they can continue with another ID.