What is the phenomenon of empty account operation in personal account of endowment insurance? How to treat the empty account operation in personal account?

The operation of social security empty account is only that there is money in the account, but there is actually no such money. Such problems are usually directly subsidized by the state finance, that is, taxpayers' money is used to fill this hole. Therefore, the state now advocates making a real personal account, at least to ensure that the personal account is rich.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.