Jane,
Okay, to me it's very clear. The insurance industry is a balance of risk versus premium income. If they misjudge risk, they go out of business paying for huge losses. If they misjudge their premium rates, they go out of business because their insurance is too expensive. For that reason, all insurance companies have armies of highly paid actuaries who get fired if they are wrong about either risk or premium rates. Do you disagree with me so far?
So, don't you find it strange that not one insurance company, not one re-insurance company is willing to gamble with their cash horde that you're right? Doesn't that mean a thing to you? They don't care what anybody else thinks. They don't care what the world's climate scientists conclude or don't conclude. If they're wrong, they stand to lose billions of dollars. Do you disagree with me so far?
If you're with me so far, don't you find it even slightly curious that not one of these big, deep-pocketed insurance companies or re-insurance companies is willing to sell cheap insurance against that "hoax" called Climate Change? Why not? Wouldn't that seem like a way to make a killing? There are no laws or regulations stopping them from doing that. Why don't even the re-insurance companies buy your logic?