Is the world becoming uninsurable?

I don’t understand the sense of entitlement towards every nuclear family owning a building constructed with stone, steel, and concrete. None of these things are available in a level of abundance to grant them to every person alive. While concrete only construction is more common in developing countries I certainly question the quality. I lived in an apartment like this in South Asia and it had no weather insulating ability whatsoever, the plaster was constantly crumbling, and the doors would jam up. Not to mention the recurring nearby stories of an apartments roof collapsing on its occupant.

I am thankful to live in a county where land and building ownership are more available to the common man than most and many people can escape being perpetual renters. Wood construction enables that. Plus North Americans love to adjust and remodel their homes and have unique shapes with high ceilings etc etc etc which is really helped with our construction techniques. The only thing I hate is termite risk and that could probably be resolved by allowing framing with pressure treated wood

It helps with availability of materials if people don't expect to have like 500sqft per person. But that's not how modern houses are built in US, at least not in my neck of the woods (Seattle suburbs). As for the quality of housing, I'm from ex-Soviet satellite state and lived in a prefab apartment block - yeah, it was a bit dated but no major problems with quality that I could tell. The main nuisance was lack of acoustic insulation.

Termites are only a problem if you enable them with a source of moisture. If you have termites eating your house something else has gone very wrong.