I'm not envious of people that get rich the honest way. I despise people that screw others to enrich themselves. Corporate America may generally discriminate against the less wealthy, but nature and insurance companies are equal- opportunity offenders. All your insurance numbers still don't account for the huge profits insurance companies continue to make. After Hurricane Katrina and other storms, insurers paid out $61 billion for damages and still ended up with a profit of $43 billion that adds to a decades-long earning streak with the exception of the terrorist attacks in 2001. They still made a profit then too. I don't buy the "cupboard is bare". Got it!