Instead they choose "go fund me"........

^ explain the go fund me comment?

GoFundMe is an American for-profit crowdfunding platform that allows people to raise money for events ranging from life events such as celebrations and graduations to challenging circumstances like accidents and illnesses.

Most people use GoFundMe to raise money for themselves, a loved one, or a friend in need during life's most important moments. This can include anything from medical expenses, education costs, trips & aspirations, volunteer programs, youth sports, funerals & memorials, or animals & pets.

I pay $120 a month for $70k cover
Most people send $14,500 a year on smokes

As a renter, you can insure your contents and the house owner should have their home insured.

I recommend contents insurance to cover your belongings.

If you have a house, it's a major asset, you get insurance. Why should everyone else (or politicians) pay for someone else's house.
Safety nets for natural disasters is another issue.

As I said, some people cannot afford it.
Have some compassion.

^ I agree. Maybe the OP is suggesting these home owners sell up and move to a caravan park

I never said I have no compassion, wasn't even address

...... wasn't even addressing 'no compassion', as it wasn't stated in above main comment. I absolutely have compassion & will help where I can. My opinion with being insured is still the same, people need to insure their assets & not expect everyone to replace what they've lost, especially in the case of a large asset.

^👍

Protect their assets with insurnace

That's the risk you take I suppose