Re: What will insurance premiums be ?
"it should have been redesigned, but that would have taken it out of spec as far as 737 pilots certification....They were afraid that the training need would have reduces sales"
You're not far wrong. Redesigning the landing gear and related parts (like wing storage) would have changed too much from the 737 Type Certificate, so the plane would have required all new FAA certification. The product, not the users. Training was also a concern, but independent of the TC. Airlines didn't want to pay for training, and Boeing offered to save that cost.
"so they pushed the engines forwards which made the plane unstable, so they came up with a software bodge to correct the instability. Unstable: engines in front of the center of gravity, so more thrust pushes the airplane nose up."
They did move the engines forwards, but that wasn't the problem. "Center of Thrust" is often not at the "Center of Lift." The problem was that 1) Boeing kept the same "pilot feel" to avoid retraining, 2) To maintain that same pilot experience, they added a feature (MCAS) to alter control behavior...and didn't tell pilots, 3) They used insufficient hardware for MCAS, 4) They botched the MCAS software, and 5) They made safety-critical alerts an optional feature for extra cost.
Pilots could be trained to fly the 737MAX without MCAS...just as they could be trained to fly the A320NEO.
If the 737MAX were a pizza, Boeing changed some ingredients. But then added Chrome Yellow so that customers wouldn't be put off by the color. And conned the regulator into letting them not mention it on the label.