Unfortunately we (UK) are somewhere in the middle, and we can't agree on a way forward. The answer is to let the insurance/private people do some things, but no

Unfortunately we (UK) are somewhere in the middle, and we can't agree on a way forward. The answer is to let the insurance/private people do some things, but not just the profitable things. It's a tricky thing to set up permanently without having to muddle around in the future (which would look bad)