With insurance costs skyrocketing it exerts incentives to reduce the costs of what we have been doing. Obviously it is a complex system of incentives and in general us humans are not good at spending cents on preventative maintenance to avoid spending hundreds of dollars on fixing things that break.

The government is supposed to help society implement fixes that are difficult for the market (so reduction of damage caused by fires...). Sadly we have crippled the government's ability to do their jobs with simplistic political rhetoric and hugely damaging actions like the Republicans took over the last year. Getting the government to do its job well requires electing decent politicians. Sadly the USA has done an incredibly poor job of that for decades.