So you wouldn't invest unprotected. Insurance was invented to solve this specific problem: socializing the costs of unlikely but disastrous occurrences. The v

So you wouldn't invest unprotected. Insurance was invented to solve this specific problem: socializing the costs of unlikely but disastrous occurrences. The vast majority of companies will be fine the vast majority of the time, so there's plenty of opportunity for an organization to sell inexpensive insurance which covers for those rare cases where the pot boils over.