In the first post of this series we discussed the humanistic concept of insurance, as well as the capitalist, market, or economic concept of insurance.
One is driven by the common good concept, the other is driven by the profit motive (On The Origin of Assholes).
The profit motive won out in the U.S. Plutonomy world (The Homeland: Big Brother Plutonomy, 2, 3, 4, 8), because the common good was eaten alive by an older concept, which, like sovereign immunity (Follow The Immunity - 3), swam across the Atlantic to bring back the good-old-daze (American Feudalism, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11).
Those with competent foresight began to think about Global Warming induced Climate Change as a business risk way back in 1973 (see video below, speaker's first statements).
The previous post in this series is here.