My concern is that without that amount of personal income available I would have difficulty establishing a sufficient amount of reserves for emergencies.

In California, a Will alone is usually not sufficient to avoid probate. 

That is all sufficient to establish a fact pattern of actions that will have serious consequence for him.If I was the FBI, I assure you I am not, I would join the Subto “community” and start gathering what I need in order to bring charges and win my case.Hmmm, I wonder if it would fall under the RICO statutes.

My point is that investing in something because others are is not a sufficient reason for me. 

You just need to have certain minimum underlying requirements per policy exposure.I do agree that having $1 million in underlying coverage is not a sufficient reason to not consider an umbrella policy. 

Invent a global tax (Carbon Tax) and invent a token of credit against those tax's (carbon credits) and shazam a market where traders can buy, sell trade, option, leverage, hedge against these and the flow of them.

If you can provide additional benefits to the community, particularly those most greatly impacted that's great but that alone usually isn't sufficient in most municipalities.

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

if someone else comes along and wants to put 50% down on a great property, and they have sufficient cash and reserves, great!

The lawsuit states that the Governor of Connecticut overstepped his bounds and violated property owners' rights to private contract, equal protection, and their right from having their property taken for public use without sufficient compensation when implementing the statewide eviction moratorium.