> Insurance needs to be not-for-profit or a government enterprise.

There are many examples of this in the insurer of last resort, which are non-profit or government insurance when the private insurance can no longer cover.

Insurers of last resort have the same issues with denying claims and not paying out like the private insurers. If you read the OP article, the only people asking for not-for-profit or government insurance are basically asking for infinite money, which is both a non-starter and impossible.

What really should be done is private insurers raising premiums to match risk. This may mean some consumers will be priced out of insurance policies.