Someone will have to take the risk that the customer will walk away from the deal. Insurance companies maybe would pool different customers in some insurance po

Someone will have to take the risk that the customer will walk away from the deal. Insurance companies maybe would pool different customers in some insurance pool? An alternative would be to ask the customer to pay in advance for 3 years. This way both the customer and the producer have an incentive to keep this deal going (if the producer reneges on the deal the consumer can take the producer to court. My reading implies only the consumer can walk away with 2 months notice). But in the world of 6% interest rates who would want to front that much money?