"You’re more at risk dying from falling out of bed than you are from terrorism?". I have no argument with the rest of the piece but this (true) statistic is an irrelevance given that there are terrorists who had they possession of nuclear options (literal or otherwise) would not hesitate to use them (planned with or without electronic communication). In this context, assessing risks like this is fatuous given the absence of required information. That doesn't mean that an insurance company might not perform the calculation for an individual but they have different goals from government.