Insurances try to minimize the risk, but they accepted to insure that risk in the first place. So that's just a moral question on where you spend the money (less victims or more indemnification...) but the game is cheated.
Governments do not have the choice to select the risks they deal with. They have to take into account real risks as is and deal with them. So, I am more inclined to consider that an insurance-oriented view may not be the best way of considering the problem.
However the funding problem issue (whether based on real money or motivation or volunteer time) is pretty similar. Collective action is needed.
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