> Similar in a way to non-dischargable student loans. When lenders are not exposed to the real risk of their loans, someone always ends up holding the bag.

Students (people) are more likely to suffer from climate change and will have to fight it during their lifetime than those new low-quality insurers will have ever to, regardless of who hold the bags.

Let the fuckers hold the bag and give a fighting chance to the people rather than building our economy on the back of debt ridden slaves.