and provided they don't subsidize the bad places people live. Live in a bad place, pay the right amount for insurance (I say, knowing I live in a not-great place)

It's a lot harder to define "bad places" these years. Living in the middle of a forest is one thing, in the Oakland Hills another. As for all the people who live along the ocean and rivers? Well, that's a sizable chunk of real estate in a country already lacking in affordable housing.