There are a lot of themes and comments in that question. I'll take the first stab, and perhaps Mr. Orb will add to it.
I think, in the vision of the Canadian Climate Forum, we're actually thinking about partnerships and broadly encouraging multiple skills to come together. This isn't about government taking all the burden. We certainly would prefer to not have the disaster relief programs but instead to work ahead of those imminent disasters, because they're highly disruptive to the economy and to the people who live in those communities, obviously.
For example, on the resiliency side, I know that it might seem perverse that you can build in flood plains, but you might be able to do things through design to make things work better, in any event. If you're in southern Manitoba and you don't have a choice, perhaps you could have better requirements municipally for backcheck valves, or perhaps you don't want to put your energy system in the basement of a tall building but do something slightly different.
I don't know that it has to be entirely punitive. I think that's the idea, though. We have to adapt to these changing ideas, and we have to bring multiple disciplines together.