So here's the real question: what insurance providers are these retail players actually partnering with? The same institutions that drove us into the last crisis? Or are they building something from scratch? If they're rolling their own, who's keeping tabs on whether they've got the capital reserves to back it up when things go sideways? And let's not pretend this stops here—will regulators just stand by while they gobble up more assets, gaming every loophole in the system to squeeze out arbitrage opportunities across different sectors?