Maybe it's a grass is always greener thing but I've been having issues with kbin that apparently other instances don't have. Furigana is supported on some Lemmy instances, I've had issues embedding links from Twitter/TikTok/Instagram/etc, I frequently interact with threads (preview content or upvote) and get redirected to an error page, goes on.
I did sign up with kbin for a reason though and I'm overall mostly satisfied. Having a good FAQ with how all the features of kbin work, what's on the roadmap, etc would be my biggest change.
You're not wrong, but it actually gets worse than that. Florida specifically has made an ever increasing hostile environment for home owners insurance companies specifically. The way the Florida laws work make it very easy for rampant fraud to happen. Florida home owners basically know that you should never pay to replace your own roof, that's what insurance is for. Every time there's the lightest hailstorm or tropical storm you'll have storm chasers handing out fliers in neighborhoods promising to get your roof repaired at very low prices. These companies then turn around and essentially sue the insurance companies. This is just one of the ways that it's become unprofitable to run insurance in FL, but there's many and FL legislature is fighting to make it worse every day.