The way they operate? No sane insurer. But the whole point is changing their behavior.

> The problem is that the potential liabilities arguably vastly exceed what these companies can absorb

It is ok. Fines should not be just a cost of business.

Just look at Meta's recent settlement. The minds and mental health of countless young people harmed. And they'll pay $17 billion, which is about one month's worth of revenue.

The legal system today does not serve the purpose you're wanting it to.