For the record I did not downvote.
But I capitulate on your point. It would be great if every piece of software was written with resilience and uptime in mind.
As a former sysadmin that sounds like a dream. But I don’t think I have ever seen that with any mainstream program that I’ve had responsibility for. Does that mean all those programs were bad? I don’t think so. We wouldn’t need sysadmins if all programs were written the way you describe.
Programs can be written to auto rotate their logs, compact and reindex their db’s. Using browser updates as an example, they can even safely auto update and revert back on failure.
How many programs actually do these things? My experience is next to 0. But I wouldn’t call them all bad or poorly written programs.
They are restricted. California has an insurance commissioner who has to approve any rate increases. It’s probably easier to stop insuring then to get the rates up to the profitability margin their risk models are suggesting are appropriate.