I would throw insurance into this mix too. At the end of the day, the government is on the hook for rolling out money when there are major disasters, so why not

I would throw insurance into this mix too. At the end of the day, the government is on the hook for rolling out money when there are major disasters, so why not just start there instead of backstop there? How about we pool all our money in one big place (the government) instead of spreading it around in a bunch of smaller pools with different rules (private insurance). In 1945, the government of Saskatchewan (Canada) recognized this and has been handling province wide insurance since then (Health, Home, Auto, etc). This has meant drastically lower insurance rates, because they aim to operate with no profit, and you don't have insurance companies suing each other for damages because everyone has the same insurance company. It creates lots of jobs, and better service for the residents. States like Florida, California, North Carolina, and others have had to start their own insurance companies to handle residents who cannot get fire/flood/hurricane/etc insurance from a private insurance company because the private insurance companies have decided the risk is too high. It seems silly to maintain this broken patchwork system when there are several examples of governments creating entities to handle these ubiquitous needs in a better way.