It's a shame, but a sign of the times, I suppose, that safety was about lives.
Seems the $$$ angle of the safety equation is taking priority now.
There was talk fairly recently about a AAAA produced crash comic.
Could be the way to go.
About insurance, self insurance was an option explored by operators in the past. Could mean we are all back in radials, but the $$$ saved in premiums mean a spare in the shed is a real option.