Insurance part 3

The purpose of insurance is the sharing of risk. When the profit motive is introduced, a portion of the shared risk funds are siphoned off into profit. Private enterprise is always better and more efficient than government so the right claims, until disaster strikes on a large-scale. Then when the victims of disaster expect insurers to be there for them and to meet the expenses of disaster, that is when insurers deny payment or pay less than they should. That is when government is expected to step in and make everyone whole again.That is happening now in California where the State of California is offering help to PG&E, the underinsured utility that probably is responsible for the Paradise fire. My question is: why not eliminate the middle man, the private insurer? If government is the ultimate insurer, why not have government collect insurance payments in the form of taxes, eliminating the profit motive entirely?

Trump must go