> 1) Not all the world will suffer equally from climate change. The parts that are at higher risk should not be insurable so that new housing will not be built there but somewhere else.

So what about the people who already live there...? Like I'm fine telling millionaires their coastal cottages are fucked, but there's a lot more folks out there who've lived in these areas for generations both because they're attached to them emotionally, and also because they can't afford to go anywhere else.

I know, is sad :( Tough choices must be made. Like many of our ancestors, we will have to migrate to better places and/or adapt. We'll do all we can to make it work. As personal advice, I will be buying my second home (when I'll be able to afford it) somewhere in a different country/region with different climate (and political) connotations. Avoid having all the eggs in the same basket. I think we should all have 2nd/3rd homes and also Airbnb them to be more efficient. If all would rent their 2nd/3rd homes the supply would exceed demand and the price would drop. I think we really need to use smart-locks remotely openable in a bigger scale. We could have a future of prosperity and abbundance with enough redundancy to accomodate for all the distasers we were not able to mitigate enough.