is not all architecture a manifestation of risk and insurance?
insurance that manages risk at all levels, from the risk of immediate material loss, to the risk of attack, the risk of famine, to the risk of an inability to make the kinds of relationships that not only allow one to survive but to be at home in the world, to understand it, to unmake and make it, or to at least survive it.
but for example, the risk of depression (and hence the tendency towards lack of motivation to produce and even consume) is every bit as much a product of the form of architecture and the urban, as it is mitigated by its particular forms. Architecture since the rise of industrialization has been involved in a dialectical process of increasing risk, while mitigating it at the same time.
but capitalist insurance (for profit m - i - m) assesses risks in terms of financial cost.
