It's the dunk tank.
This is where you come to post big-brained hot takes by chuds, libs, or even fellow leftists, and tear them to itty-bitty pieces with precision dunkstrikes.
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I know I know it's the Times I did this to myself but I saw this cursed headline so now you have to as well
Heaven forbid you use a service you pay for.
Insurance companies when an event that is explicitly covered by even their most basic policy and that they market their policies on covering occurs: 
Home insurance companies pulling out of California and other areas will affect people living there as natural disasters are more frequent and more devastating. The consequence of these services being private in the first place
Moved recently so my apartment is uninsured. Hopefully the big earthquakes wait for a bit
Insurance companies doing a managed retreat from everywhere on earth but getting a law passed that says every American must have Moon Explosion Induced Zombification insurance or something that they'll never have to pay out
Insurance of every variety (to the extent it is actually needed and no further) should be a non-profit, high oversight, public utility. Everyone pays into the local community fund, which is used to pay out for things that happen within the community.
No outside money, and no money leaving the community other than through service payments for work done to repair.
No one ever thinks of the billionaires 🥲
I guess the situation on Hawaii is so bleak. : (
Guessing we're gonna end up with some nonsense like: the private for-profit companies will continue to exist and make obscene profits by finding ways to deny claims. And, to ensure they continue to provide that "service", the government will make up the difference (i.e. basically all) whenever the payout gets too big. So then eventually the only people who can get insured are people with property worth much more than the government limit. After all, this affects rich people!
You mean how housing and healthcare currently work?