How it works
Pinewick is a made-up village of six families. A worry is something that might go wrong one day, like a storm that cracks a roof.
A roof costs a lot to mend, and one family alone would find that hard. So each family puts one coin in a pot.
Six small coins add up. When Tam's roof cracks, the pot pays the roof mender, so nobody pays a big cost alone.
If no roof cracks, the coins wait in the pot. This sharing plan has a name: insurance.