world wide, insurance rates are being driven up by the effects of global warming. The financial world (ie: not hippies) is betting that global warming is real, and are willing to bet their money on it.
So, I have a proposal for TH since you're all such a great fans of capitalism. Start up an insurance company and offer protection at lower rates. You'll quickly get market share and make a fortune - if of course you are correct and global warming is a fraud.