I'm suddenly tempted to write a not-quite-serious novel about a time period up to and including a post-apocalyptic dystopia that occurred simply because almost

I'm suddenly tempted to write a not-quite-serious novel about a time period up to and including a post-apocalyptic dystopia that occurred simply because almost all emergency measures in the world were replaced by insurance policies. In the end people subsist on irradiated rats and mutant vegetables but they're doing great because each of them are owed millions of pounds by Lloyd's of London which may or may not exist anymore.