try a 3 to 7% return in good years and negative 10 to 20% in bad years with volumes that would be exceedingly low but guess what. you wouldnt just hit the button and buy and sell. buyers and sellers would actually think and work orders slowly until we had a match not in price but an equilibrium of valie. real value not price. price has never been value even at the store when you shop. price is just a number used to overcharge those willing to buy or sell
https://www.thebalance.com/what-happens-if-your-insurance-company-files-bankruptcy-2388607 https://quotewizard.com/home-insurance/bankrupt-insurance