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So without the insurance, then the house would be similar to the neurosurgeon? A natural disaster could wipe it out.

And can't a Neurosurgeon take out equivalent insurance to cover the worst case scenarios that you described? I am sure I have heard of famous singers insuring their voices.

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Almost.

A house can be liquidated and potential profit realized rather quickly. Education, not so much. You can insure yourself (and should, if you could lose your work by getting in an accident), so that you get a set amount paid out each month in case you end up in a wheelchair or similar state that would keep you from working.

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