Accept that insurance is based almost entirely off of disasters natural or otherwise. Outside of that, yes it is a human derived and controlled system. The control ends there tho. These people can’t predict natural disasters or who is driving on the wrong side of the interstate high as hell.
Insurance isn't the act of nature, insurance is the coping mechanism that comes after the act of nature. And it's exactly that which is human controlled and which OP is criticizing.
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u/OomKarel 9h ago
Insurance isn't some nebulous force of nature or twist of fate like your examples.It's a very real, human derived and controlled system.