Insurance can also make existing risks more acceptable and thus lead to more risky behaviour. E.g. if someone has 0$ co-pay/deductible for car crashes they might not drive as carefully because who cares, it won't cost me anything right? (well until they jack up premiums). So crafting insurance policies and rates takes a lot of care, but the profit motive is a strong driver here.
> Insurance can also make existing risks more acceptable and thus lead to more risky behaviour.
Arguably, that's the entire point of insurance: mitigating the risk of the insured activity so that it is more acceptable as a choice (because unmanaged risk can make an activity less acceptable than average expected net benefit would suggest.)
