Thank you for reviewing these unexpected and potentially beneficial trends. All, of course, will have unforeseeable economic consequences as well. If people stop having babies and buying houses because insurance companies will not protect them from disasters, this could quickly throw the global market economy into a tailspin, since this economy depends completely on infinite growth of population, production, and consumption of commodities. Such a global collapse might be good for the planet—might even decelerate the pace of climate disruption and give us a longer lease on this planet—but it would not be pleasant for us!