Agreed. It's trivially easy to manipulate suggestible people and say "this is why the system doesn't work" instead of really understanding something complex.
The system works. It is broken in Florida, but Florida broke it and has corruptly and incompetently swept the problem under the rug for a couple of decades while luring people with unsustainably low taxes and insurance premiums. That is beginning to unravel in a way that cannot be hidden.