If someone told me this was a plot by insurance companies and government types to get the economy moving, I wouldn't be at all surprised.

The folks over at central planning think in rather simplistic terms: People aren't buying stuff! People aren't building houses! People aren't accessing credit (going further into debt)! What shall we do??

Let's throw a flood. Then the people will HAVE to buy and build. Yea Us, problem solved.

What they don't seem to understand is people don't have the wherewithal to start with, even less when they loose everything. They expect you will be forced to go out and get loans one way or the other. Fools.