You don’t have to mention insurance companies. I did, in my OP. I’ll respond to your other post, later, but it’s easier to respond to this one quickly.

Insurance companies are not a monolith. While it may be correct to say that if they deem something is high risk, then they charge more, it is incorrect to state that they all do. Insurance companies compete against each other. If one, or several, charge more for something that isn’t real (as you put it),

then others will write affordable policies and earn more customers. What we are seeing is even more extreme. Insurance companies are simply pulling out of markets entirely, refusing to write policies to collect premiums. California wild fires are a good example. State Farm refuses to underwrite because the costs are too great, and the inevitability of claims too certain. Extreme weather events due to changing climate are evident in the southwest, as well. Try getting flood insurance in Florida.

Will respond to your other post later.