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The institution of insurance does not flourish in an economy that is primarily agricultural or is industrially undeveloped. This is true because risks are not developed to the degree necessary to support a highly organized system of institutions to handle them. In an agricultural society, individuals have a tendency to be relatively independent, to be willing to assume many more risks than is true in more industrialized societies. Furthermore, people in agricultural societies are not as dependent on money, as such, as they are in more advanced economies. A large part of a farmer’s needs may be supplied at home, and thus there will be little trade. A peril that destroys one crop probably will not leave the farmer entirely without food supply because other crops or help from neighbors will supply that need. If a building burns, perhaps neighbors voluntarily restore or replace it, and no dollar remuneration is felt to be necessary.