as long as they are comfortable with their choices when things go wrong Right, yet it seems like that often isn't the case. See hurricanes & NFIP/FEMA, see wil

as long as they are comfortable with their choices when things go wrong Right, yet it seems like that often isn't the case. See hurricanes & NFIP/FEMA, see wildfires & the USFS. In each case, with residents who just want to do their own thing and ignore things like building codes & defensible space.