30 milhões de euros. O número quantifica o que as companhias de seguros portuguesas perdem todos os anos, vítimas de sinistros simulados nos ramos automóvel e multirriscos, escreve o Jornal de Notícias na edição impressa desta segunda-feira. As fraudes predominam nas classes mais favorecidas, sendo que é no ramo automóvel que estas assumem maior expressão financeira: só em 2015, o setor apresentou um volume de negócios na ordem dos 1,4 mil milhões de euros.
A criatividade de quem simula acidentes rodoviários é cada vez mais um desafio para os peritos seguradores e para as autoridades, explica o jornal. Exemplo disso é a fraude em que, com mais de meia centena de intervenientes, os condutores são apelidados de “kamikazes”, numa clara alusão aos pilotos japoneses suicidas durante a II Guerra Mundial. Este processo implica a compra de salvados (veículos já acidentados e irrecuperáveis) no estrangeiro ou o furto de carros para, depois, se alterar os seus elementos identificativos.
Existem precisamente redes profissionalizadas — com direito a cabecilha, stands, oficinas e centros de inspeção, sem esquecer os próprios operacionais — que têm ao seu serviço estes “kamikazes”, que têm como função simular acidentes. Os “kamikazes” podem ganhar até 2 mil euros por sinistro.
“Para provocarem sinistros, pagam a ‘kamikazes’. Pessoas que, usando equipamento de proteção dos motociclistas, como blusão, luvas e capecete, não hesitam em lançar-se de carro contra paredes e muros, ou por ribanceiras, para enganar as seguradoras. Não raras vezes, acabam por sair com ferimentos”, diz Manuel Castro, membro do Conselho Diretivo e presidente do Colégio Automóvel da CNPR, citado pelo Jornal da Notícias.
Does Epictetus’ Stoic philosophy provide an adequate guide for life today?
Buster Keaton in Speak Easily (1932). Courtesy Wikipedia
God, grant me the serenity to accept the things I cannot change, Courage to change the things I can, And wisdom to know the difference.
This is the Serenity Prayer, originally written by the American theologian Reinhold Niebuhr around 1934, and commonly used by Alcoholics Anonymous and similar organisations. It is not just a key step toward recovery from addiction, it is a recipe for a happy life, meaning a life of serenity arrived at by consciously taking what life throws at us with equanimity.
The sentiment behind the prayer is very old, found in 8th-century Buddhist manuscripts, as well as in 11th-century Jewish philosophy. The oldest version I can think of, however, goes back to the Stoic philosopher Epictetus. Active in the 2nd century in Rome and then Nicopolis, in western Greece, Epictetus argued that:
We are responsible for some things, while there are others for which we cannot be held responsible. The former include our judgment, our impulse, our desire, aversion and our mental faculties in general; the latter include the body, material possessions, our reputation, status – in a word, anything not in our power to control. … [I]f you have the right idea about what really belongs to you and what does not, you will never be subject to force or hindrance, you will never blame or criticise anyone, and everything you do will be done willingly. You won’t have a single rival, no one to hurt you, because you will be proof against harm of any kind.
I call this Epictetus’ promise: if you truly understand the difference between what is and what is not under your control, and act accordingly, you will become psychologically invincible, impervious to the ups and downs of fortune.
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Of course, this is far easier said than done. It requires a lot of mindful practice. But I can assure you from personal experience that it works. For instance, last year I was in Rome, working, as it happened, on a book on Stoicism. One late afternoon I headed to the subway stop near the Colosseum. As soon as I entered the crowded subway car, I felt an unusually strong resistance to moving forward. A young fellow right in front of me was blocking my way, and I couldn’t understand why. Then the realisation hit, a second too late. While my attention was focused on him, his confederate had slipped his hand in my left front pocket, seized my wallet, and was now stepping outside of the car, immediately followed by his accomplice. The doors closed, the train moved on, and I found myself with no cash, no driver’s licence, and a couple of credit cards to cancel and replace.
Before I started practising Stoicism, this would have been a pretty bad experience, and I would not have reacted well. I would have been upset, irritated and angry. This foul mood would have spilled over the rest of the evening. Moreover, the shock of the episode, as relatively mild as the attack had been, would have probably lasted for days, with a destructive alternation of anger and regret.
But I had been practicing Stoicism for a couple of years. So my first thought was of Epictetus’ promise. I couldn’t control the thieves in Rome, and I couldn’t go back and change what had happened. I could, however, accept what had happened and file it away for future reference, focusing instead on having a nice time during the rest of my stay. After all, nothing tragic had happened. I thought about this. And it worked. I joined my evening company, related what happened, and proceeded to enjoy the movie, the dinner, and the conversation. My brother was amazed that I took things with such equanimity and that I was so calm about it. But that’s precisely the power of internalising the Stoic dichotomy of control.
And its efficacy is not limited to minor life inconveniences, as in the episode just described. James Stockdale, a fighter-jet pilot during the Vietnam War, was shot down and spent seven and a half years in Hoa Lo prison, where he was tortured and often put in isolation. He credits Epictetus for surviving the ordeal by immediately applying the dichotomy of control to his extreme situation as a captive, which not only saved his life, but also allowed him to coordinate the resistance from inside the prison, in his position as senior ranking officer.
Most of us don’t find ourselves in Stockdale’s predicament, but once you begin paying attention, the dichotomy of control has countless applications to everyday life, and all of them have to do with one crucial move: shifting your goals from external outcomes to internal achievements.
For example, let’s say that you are preparing your résumé for a possible job promotion. If your goal is to get the promotion, you are setting yourself up for a possible disappointment. There is no guarantee that you will get it, because the outcome is not (entirely) under your control. Sure, you can influence it, but it also depends on a number of variables that are independent of your efforts, including possible competition from other employees, or perhaps the fact that your boss, for whatever unfathomable reason, really doesn’t like you.
That’s why your goal should be internal: if you adopt the Stoic way, you would conscientiously put together the best résumé that you can, and then mentally prepare to accept whatever outcome with equanimity, knowing that sometimes the universe will favour you, and other times it will not. What do you gain by being anxious over something you don’t control? Or angry at a result that was not your doing? You are simply adding a self-inflicted injury to the situation, compromising your happiness and serenity.
This is no counsel for passive acceptance of whatever happens. After all, I just said that your goal should be to put together the best résumé possible! But it is the mark of a wise person to realise that things don’t always go the way we wish. If they don’t, the best counsel is to pick up the pieces, and move on.
Do you want to win that tennis match? It is outside of your control. But to play the best game you can is under your control. Do you want your partner to love you? It is outside of your control. But there are plenty of ways you can choose to show your love to your partner – and that is under your control. Do you want a particular political party to win the election? It is outside of your control (unless you’re Vladimir Putin!) But you can choose to engage in political activism, and you can vote. These aspects of your life are under your control. If you succeed in shifting your goals internally, you will never blame or criticise anyone, and you won’t have a single rival, because what other people do is largely beyond your control and therefore not something to get worked up about. The result will be an attitude of equanimity toward life’s ups and downs, leading to a more serene life.