So our check against making the financially obvious decision to try to get out of the obligation to save people from disasters they paid into a risk pool to mit

So our check against making the financially obvious decision to try to get out of the obligation to save people from disasters they paid into a risk pool to mitigate because they are infrequent enough that adequate individual preparation is impractical but devastating enough that insuring against them is rational is to hope that people who have been stiffed by these companies to weather those disasters on their own resources despite having paid into the risk pool will then be able to muster the wherewithal and finances to bring suit against an insurance corporation large enough to credibly claim to bulwark that risk afterward I just can't see why this isn't working