exactly; I hope ycombinator and its proponents can enjoy living in the ancap fantasy land where you have to pay to be alerted for a climate change fueled mega hurricane (also caused by this exact same reckless, unregulated greed) because NOAA was disbanded. Billionaires shouldn't exist, but neither should millionaires.
The insurance industry long ago figured out that nothing has the profit to effort ratio of "pay us or die", and so any capitalist endeavor that is not somehow restrained will attempt to approach this perfection.
