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Years ago lucky people constructed beach cottages, or in some cases, beach shacks for summer vacations and weekends. If they threw caution to the wind (and tides) and built too close to the shoreline, well, they didn't actually lose their home, or millions of dollars. My father was an engineer who thought oceanfront homeowners were mindless, to say the least, when they built trophy homes on the "shifting sands." Oceanfront homeowners should understand the risk they take when they decide to build on the shoreline, protect themselves best they can, and then not expect taxpayers (who are not likewise wealthy) to bail them out.
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