See the parallels from "Should Water Be Free?".
Gosh, darn it...why do we have to pay for necessities?
Also, the U.S. Treasury doesn't want to make Florida insurance free (or cheaper) by exporting the cost to the federal taxpayer. Actually, given what they [I mean WE] are spending money on now it seems like the Treasury and Congress could be saying, "Why not--it's only $10-$50 billion and that is no longer in the category of real money. Heck, AIG cost more than that." [I definitely do not agree with the attitude, but....]