Is the World Becoming Uninsurable?

Public health insurance is cheaper than private.

Home insurance on the other hand the Gov wouldn't be able to cope with, but just like how high medical costs are the result of private industry, so are high home costs.

If the building of housing was organized as a government service then the costs would be lower/realistic and then a public insurance system would be viable.

As a New Yorker, you don’t need to tell me how shitty urban planning can completely screw enormous amounts of people. Just look into Robert Moses. What he did in New York was horrific.