There is no such thing as a decent landlord.

There are many stories about people having home insurance but the insurance company refusing to pay because their inspection team didn’t approve the claim for some bullshit reason.

Housing insurance how it is is a scam you’re right but the insurance itself is not. If they could operate ethically (they cannot) then everything would be fine.

The government. We could afford it if we weren’t always causing chaos around the world.

Could not have put it better myself.