Do you really believe that a majority of insurance holders own their home outright? They don't. Which means a financial institution, other than the "home owner" does. That loan binds the "home owner" to a set of responsibilities - one of which is keeping the home insured. This isn't a new phenomenon.

Taking photos from public airspace isn't "tyrannizing" anyone, as much as you seem to want it to be.

> You are leaning in that direction anyway.

The irony...