two absolute facts:
1. even if there was something humans could do about it, we won't, ever
2. insurance rates are the only "control". they will skyrocket and thereby the only change to select behavior
human society allows "privatize the profits, socialize the costs"
so that scales from the smallest to the largest models
Pretty much agree. Nature will fix the climate, after it eliminates (a large number of) the humans that are causing the problem. That's really the only way.