Is the world becoming uninsurable?

To me this sort of thing just seems like a weird financialization brain disease of sorts.

At the end of the day if your house burns down you can go and get some wood / stone / whatever and build one somewhere else and this will basically always be possible to do to some degree.

The question is just about what the chance of having to do that per year is and what that represents in dollar value. It can’t not be possible.

Insurance needs to be not-for-profit or a government enterprise. Physical projects and infrastructure should not be started until risk is assessed. Speculators and go-go finance has ought to be constrained. As for myself, I am choosing alternative ways to plan, finance, build, and manage infrastructure project. The current systems is a non-starter for most people under 50.

Obviously insurance companies, and i of course, would prefer if nobody anywhere ever had accidents or got sick etc

And i'd love it every lottery ticket, and horse i ever bet on was a winner

Feels like insurance companies just don't want to do their job.

They're getting paid to take someone's risk and then refusing to accept it.