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  • The name "National Socialist" was a trick to get people on board.

    Sort of. Hitler didn't found the party, he joined it as a mole in order to spy on it for the military. He ended up doing a lot more than most moles, eventually taking it over and expelling the more socialist (though still racist) founders.

    Hitler hated socialists and tried to change the name as soon as he took over, but was convinced to keep the name because it had become a popular brand.

  • Biden really hammering home that only the wealthy and well-connected

    You are really hammering home that you only pay attention to the wealthy and well-connected.

    Diane Nash, Sandra Lindsay, Greg Boyle, Alexander Karloutsos, Medgar Evers, Clarence Jones, Opal Lee, Jane Rigby, Teresa Romero, Judy Shepard, and Fannie Hamer are not wealthy and well-connected, yet Biden awarded all of them the Presidential Medal of Freedom.

  • I'd expect this to be causing people who live in low-risk areas to be subsidizing people who live in high risk areas

    To be fair, high-risk people are subsidized in nearly every type of insurance. Often unintentionally (due to actuarial uncertainty) but sometimes it is an explicit goal.

    For example, community rating was deliberately introduced to health insurance in order to cause lower risk people to subsidize high risk people (eg those with preexisting conditions).

  • Is there anything in the law preventing

    Insurance companies now have a legal quota, ie a certain percentage of their policies must be in fire-prone areas.

    So if their premium is so high that nobody in those areas buys a policy, then they won't meet their quota.