I used to work in (not health) insurance and yeah. I understand why insurance does what it does, but it’s just dispassionate cruelty, so explaining it doesn’t make it better. I don’t think it could work significantly differently, so just letting people rant incorrectly about it is also frustrating.
The only scenario in which I would really want it to hit would be if it would lead to moderate global cooling without hitting populated areas. If it can dislodge enough particulates over one of the poles to block out some sun and give us a couple of years of reprieve from global warming, without actually killing anyone or destroying much wildlife, that would be nice.