It’s almost certainly against cloudflares tos, and against the open source license terms for the website, so if cloudflare gets wind about you doing this, they can probably send you a cease and desist, and then cancel your contract with them.

If they’re really pissed, and you run a decently large site that regularly runs into errors, they might be able to successfully argue slander in court.

The difference is that (in theory at least), insurance will pay your full costs, regardless of how much you’ve already paid in. You can sign an auto insurance on one day, pay in 100$, then get into a 20k$ crash the next, and get the entire costs covered.

A retirement savings fund is capped by how much money you’ve put in it. You can never take out more money than you’ve put in (+interest/portfolio growth).

That’s kinda the whole point of insurance. If you want an insurance model like described in the post, well nothing is stopping you from opening an ETF or other savings fund, and dedicating it to auto payments. It’s not like you need a dedicated industry/service for that.

If “everyone will be using AI”, AI will turn to shit.

They can’t create originality, they’re only recycling and recontextualising existing information. But if you recycle and recontextualise the same information over and over again, it keeps degrading more and more.

It’s ironic that the very people who advocate for AI everywhere, fail to realise just how dependent the quality of AI content is on having real, human generated content to input to train the model.