I should have phrased it as sufficiently unlikely due to unknown risk factors. If an insurance company thought it could make money and people would be willing

I should have phrased it as sufficiently unlikely due to unknown risk factors. If an insurance company thought it could make money and people would be willing and able to pay the premiums necessary, they would be selling policies. The only reason they are not is because they think the premiums they are able to collect (either due to regulatory limits or customers’ budgets) are not enough to offset losses.