The founder of Hasidism, Rabbi Israel Baal Shem Tov, taught us that every existence, event, or phenomenon that a person hears or sees should serve as a lesson for life and service to the Creator.
One aspect of modern life is the practice of purchasing insurance against a variety of unforeseen circumstances. When a person buys an insurance policy, they are, in effect, joining a group of people who have agreed to be responsible for each other's misfortunes. If someone suffers a loss, they are compensated from the common fund accumulated by everyone's premiums. The lesson to be learned is obvious: if such consensus can be achieved regarding material possessions, how much more so can it be applied to our moral and spiritual affairs.
We must all consider ourselves as part of a universal mutual fund: if our neighbor has a need, whether for food or shelter, knowledge or advice, even if he is on the other side of the world and his name or the name of the city where he lives has never been heard, it is the responsibility of each of us to satisfy that need.