Cease building in Puna makai

[eightfingers2.0]

I wouldn't call it state sponsored welfare. HPIA raised their rates to compensate for their losses in  2018.
The average home now costs north of $4000,00 per year and HPIA is the only source for new buyers.

4k, 5k, it don't matter how much, it's still state sponsored and forced upon all others across the state against their will. It's welfare, and it is wrong.

Either that, or we start making conventional loans, and state sponsored insurance, available to others who wish to take similar risks. Fair is fair, right?

How about the taro farmers in Waipio Valley? They can't get conventional loads for their property. They can't get any insurance. You might say, for god's sake they're in a river bed, who in their right mind would do that? Right?

No, for my money HPIA is the root of the problem. 

Silly people will do silly things. As they should be allowed to do. But to ask the rest of us to subsidize them in their folly is wrong.

ALL insurance works that way. People that don’t make a claim, subsidize those who do. It’s called “spreading the risk”.