Cyber insurance has been around for years though to specifically cover damage from cyber crimes. Like homeowner's insurance covers many things that can happen to your home, but some forms of loss/damage require specific coverage. It's no-more bad faith than than.

Cyber insurance may be priced differently by company based on the specific digital risk and whatever mitigating factors the company have in place (software, hardware, security policies), like physical insurance may be priced differently for physical mitigating factors (fences, locking mechanisms, cameras, security personnel).

I have Google Hubs across my house and use Assistant frequently to get outdoor temperature, turn off lights, set timers, play music, and sometimes try to get answer to questions (though that's more hit or miss).

It snows in the north. People can often still drive just fine in it. I'd say people should reconsider if they really need drive during those conditions, but I don't think it's right to assume there is no reason at all.

What if someone is at work and needs to get home? What if someone works in healthcare where lives rely on them getting to work? Or any other critical industry energy, heating, plumbing, electrician, etc.?

Just fuck everyone else because there is a slim chance something bad might happen?

This is the thing for me. People that don't speak the language, people that forget, people that don't know how, people that resist authority... There are so many chances for them to not put their phone into airplane mode, yet you never hear of any problems.