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What about the opportunity cost of having a planet to live on?

You can have that with renewables, at a much lower cost.

I thought that the costs come mostly from insurance? (Which the public is already on the hook for to some degree)

There are an lot of industry where they are not cost effective without heavy government involvement, and even then the public barely get to reap the rewards.

(Though I supposed if this happened in the USA it would be the death knell of the fossil fuel industry)

How expensive are highways?