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I think the total collapse of the insurance sector is going to be interesting. Insurance, at the best of time, was always a crap-pile with people who are plainly disincentivized from paying you out. That was the base point.

The thing is, with all these natural disasters that are only going to pick up in frequency and severity and repetition, there *is no way* for them to pay everyone out. They can't. There's not enough money. There's nothing you or anyone can do about this.