Re: re: Problem is that the technology works well ...
My brother's business burned down last week. He lost everything - value £50k (small business). He had no insurance.
Why?
Because his premiums were £300 pa before 9/11, and then they raised it to £3k. There has been 6 years since 9/11. If he had paid the insurance, with inflation (typically 20% in insurance if you are a buyer, not a regulator), the premiums would probably have cost him £50k anyway!
The reality is, the insurance industry is eating itself with its greed!
Better to put the £300 pa into bank shares. For example Barclays. Their scandal deployment department ensures frequent attractive buy opportunities.