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Notes -
No, but loans are often granted only when the lender agrees to insure themselves against the house burning down. A world in which every high school graduate gets to see the insurance market's actuaries' estimates of their future income conditional on their resume and choice of school and major would be a much more interesting world.
Assuming an insurance market was allowed to exist, of course. I fear most voters still don't really get the concept of insurance as a way to pay E[X]*(1+p) for a benefit of X, rather than as a weird form of potential charity that would let us squeeze money for poor people from evil corporations instead of from government coffers if only we were brave enough to pass the right laws.
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