Comment by KPGv2

> generally we insure ourselves against acts of nature and accidents and thieves.

No. We insure ourselves against unforeseen events whose effects are financially unbearable to us otherwise. You've conveniently carved out certain unforeseen events in order to serve your point rather than being intellectually honest.

Businesses insure themselves against the death of an important employee, for example. If that employee is murdered, that is neither an act of nature, an accident, nor thievery.

You might argue "you were robbed of an employee" and stretch the meaning of the word "thief" but then I'd say a similar stretching of "act of nature [or] accident" includes "aircraft malfunction"

Businesses also insure against a great many other things.