The altruist ethics is based on a “malevolent universe” metaphysics, on the
theory that man, by his very nature, is helpless and doomed—that success,
happiness, achievement are impossible to him—that emergencies, disasters,
catastrophes are the norm of his life and that his primary goal is to combat
them.
As the simplest empirical refutation of that metaphysics—as evidence
of the fact that the material universe is not inimical to man and that
catastrophes are the exception, not the rule of his existence—observe the
fortunes made by insurance companies.