"Put another way: many places are already unlivable, and only becoming more so because of accelerating climate change; how do we de-risk for households, rather than for insurance companies?"
This is how we can think about many things as old paradigms begin to completely fail. It's not a matter of "going back" to some fictional past where everything worked. It's as @olufemiotaiwo.bsky.social says about repair: the point is to eliminate the conditions that allow injustice altogether.