I don't see why most common types of insurance aren't offered by governments. The government has the largest pool of cash and it's not like insurance has much r

I don't see why most common types of insurance aren't offered by governments. The government has the largest pool of cash and it's not like insurance has much room for innovation. Most types of innovation in insurance is about figuring out ways to not pay out insurance claims. Ie 'innovation' by an insurance company means a worse product for the customers.