It's because the accountability isn't clear cut. Many hands have touched those levers of power over the last 20 years this specific problem has incubated, not all of them governmental.

I see, maybe I am underestimating local factors and individual responsibility here. After all, democracy depends on people to vote, and wealthy people generally are free to move and can more easily buy property, even if unsafe. So the individual financial or survival risk of relying on "society" (for example, insurance, firefighting, infrastructure etc) also anti-proportional to wealth/ a beach house is not the same as a rented flat or hard-earned small apartment in some precarious space.

Still sounds like an instance of redistribution problems to me.