I didn't mention "insurance against economic crashes" - there is a crash, and this has the effect of lots of payouts. Some event may cause an economic crash, c

I didn't mention "insurance against economic crashes" - there is a crash, and this has the effect of lots of payouts. Some event may cause an economic crash, companies can have insurance against business disruption. If an event suddenly causes a lot of insured business disruption, that might mean a large total payout.