That's not how insurance companies work. Basically, the amount of YouTubers out there paying a monthly fee to 1. continue getting income while a dispute is ong

That's not how insurance companies work. Basically, the amount of YouTubers out there paying a monthly fee to 1. continue getting income while a dispute is ongoing, 2. potential payout if it goes to court/settled. Basically, the insurance company would probably very rarely go to court; they'd only do it if they knew they would win hands-down. Otherwise, they would probably just send threatening letters (which lawyers are good at) and take a token sum (if anything). In reality, getting a false DCMA takedown is pretty rare (if the amount of YouTube content is anything to go by). And lets not mention all the free publicity you'd get when a YouTuber does get one, because they all apparently, rant and rave about how they got their video taken down when it is taken down.