Insurance is a must at times and I am glad we got it for our daughter prior to her being born, as from day one, there were complications that would have potentially excluded her. However, it is only useful when they pay and I have heard some horror stories from some countries.
Hopefully, this period of insane energy prices is short lived, but who knows, perhaps it will also lead to some better development, like it did in the 70s.
I have seen a lot of stories on battery improvement. Once they get to a point of batteries being able to take thousands of recharges without breaking down then we will see a lot of new development and migration of people I think. No need to be tied into a standard electrical grid when you can use solar or wind and charge long lasting batteries for use.