“Affluent families pay for the unbundled services and get something close to what civic infrastructure used to provide, except curated and selective and predictably high-quality. They aren’t just buying community. They’re buying social risk insurance: insulation from institutional failure, controlled peer environments, future opportunity pipelines. They’re also buying the option to never encounter the people whose lives are getting worse because the substrate they’re paying to replace has gone missing for everyone else.” makingpublicwork.com/destructi…