Except at some point a politician would look at the big pot of gold and decide that its a good source of money to fund their new political project. So the insurance reserve becomes a normal part of the state budget. Then the fire happens and to offset the huge hole in the budget, social services and schools are shut down.
Just because it is state run doesn’t mean a rich person wouldn’t misuse it to enrich themselves and fuck over poor people.
Its the definition of “you dont own the game”. You pay to get access to the service of playing the game and it wants to keep you playing as long as possible so you spend more money on micro transactions. They are constantly updated, usually as some form of “season”, have daily login streak bonuses, etc. And after 2 years the game shuts down and you have nothing and can’t play anything you paid for anymore.
Every live service game that fails or gets cancled is a good thing.