I mean I'm not an insurance adjuster so if your method is better than sure. The point is that what you were taxed for your house would pay for the insurance. So a more expensive house would pay more (and contribute more to the overall system when they didn't have a fire).
Your property tax would be assessed based on the value of your home so the homeowner would be paying for it. Or if nothing happens to theirs a bunch of poorer homes. It'd work just like how insurance does. There's just no profit motive so you don't have to deal with the shenanigans from that.
If we're at the point of mandating insurance then the government should just provide it themselves out of taxes. No reason for profit middlemen should be involved in basic public necessities.
Work ethic today is fine in places that aren't spreading their people as thin as possible. There's always going to be shitheads but for the most part when you see "poor work ethic" it's because everyone's burnt tf out and just doesn't care any more.
As if any of the other social media networks aren't doing the same shit. I'd rather have China spy on me than an American company. They can't use my data to fuck me over.
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