Wait a second, "Act of God" incidents are precisely the primary reason for insurance.
In the US, the Federal Government has a monopoly on flood insurance. The reason for this is that a flood can take out an entire market ... which would crash insurance companies.
As for the failure of crypto projects. Crypto was supposed to remove human fallibility from the equation. This would make it possible to invest in marginal programs like reward pools.
I guess they were wrong. Too many of the HIVE projects failed. At least we still have WINE!
!WINE