Hey, Gil from Lemonade here. I see quite a few p2p related comments here and I totally understand how P2P can be confusing as a term. This video can help understand the concept - https://www.youtube.com/watch?v=6U08uhV8c6Y.
tl;dr: We use each group's premiums to pay their claims, and unclaimed money goes back to the group's common cause.
