Actually according to the documentary “the Day After Tomorrow,” NY will be the first state underwater from climate change.

This comment is basically just a tl;dr of the OP

Hopefully that means they’ll start giving me better rates!

Well yeah, the US is set up for giant corporations to make as much money as possible as quickly as possible regardless of how much it will fuck over the customer, bonus points if fucking over the customer doesn’t include immediate proof of physical harm to said customer.