Dignity needs to be inalienable

Private property is limited by the needs of insurance. 

Insurance is there to defend against someone falling into dependency. The highest use of a collective surplus is to maximize the dignity within the society. Surplus should thus be deployed to increase the earning power of that society's every member. 

• The purpose of collective ownership is to pool risk, and thus to limit the possibility of irredeemable insolvency. 
• The markets can work but not when the transaction is a hard choice. 
• Dignity needs to be inalienable. 

Before someone is forced or even allowed to sell a birthright, others – most often, kin – must come in to insulate them from that choice. Kinship relations are the typical media of risk-spreading because kinship relations are deemed the most stable in a society.