Another failure of the market.
What infuriates me in cases like this is that I’m tired of the endless kneejerkery which blames this sort of thing on government everywhere and all the time. This is pretty clearly a failure of the market to meet a critical need, and is one of the reasons why we often need government intervention.
It makes me a little crazy that people think government is always and everywhere the wrong answer. Yes, government is dangerous. So is fire. The solution to the danger of fire is to be careful with it. The same principle applies to electricity, useful chemicals, police, armies, and other dangerous things like government regulation.