Which wouldn't be a terrible idea. Insurance is just another way to crowdsource money for stable/safe investments where the front is peace of mind. One could pr

Which wouldn't be a terrible idea. Insurance is just another way to crowdsource money for stable/safe investments where the front is peace of mind. One could probably operate under a pure risk assessment model but why not put the extra cash into short term T bills then maybe once more cushion is established low risk mutual funds? Hopefully I'm missing some major regulatory issue.