No, this is motivated reasoning brainrot. It's overcomplicating the problem by hyperfocusing on a specific implementation that's already been judged infeasible to justify not doing it.

The actual problem that people want solved is "the customer wants predictable, budgetable upper bound periodic cost". You are not unique in offering a service where this is a desirable property. Realigning this sort of cost structure is the bread and butter of insurance industry, and no, as much as they'd like to, they don't actually do it by making sure to stop the earthquake before it knocks down more of your house than your price cap.