That is not the WHOLE reason DB2, as the insurance studies have shown.

The cost of climate related disasters has risen faster than all the others.

The market isn't doing anything for climate change except making it worse.

When there is a price put on carbon the market economy will become my friend. Until there is, it is as implacable and invincible an opponent as the human stupidity that is so often displayed here... and the less frequent but not much less annoying optimism you are possessed by... :-)