Yes but there is no universe where I want to expose myself to capped upside and unbounded loss. Or stated more generally over a large population building in th

Yes but there is no universe where I want to expose myself to capped upside and unbounded loss. Or stated more generally over a large population building in the insurance is favorable to you because you will never collect on those five figure residential bills, charging ruinous amounts of money for the average family are just loss.