more and more constructed on the sound principle of insurance."

"越来越多构建在了完善的保险原则上"
The problem with charity is

救济金的问题在于
that it tends to be whimsical and capricious.

它往往反复无常毫无定见
If you're relying on charity to resolve problems of poverty,

如果你依赖救济金解决贫困问题
it's going to be applied very unevenly and

它将无法得到均衡分配
it would be salient examples of poverty. Like,

并将成为贫困的主要典型
if a child is suddenly stricken with some unusual illness and

如果一个孩子突然得了怪病
it gets written up in the newspapers,

并登上了报纸
then generous contributions would come pouring into that child,

那么这个孩子会得到大量的捐赠
but other children who are not so blessed get nothing.

可其他不被上帝眷顾的孩子将一无所获
In the United States, we were about the last country

在美国大约是在上世纪
to jump onto the bandwagon, begun in Germany--partly I guess

我们也投身于这一源自德国的浪潮