Insurers do notice that small claims (in P&C) are a relatively small part of claims + cost so most don’t offer the high deductibles. As a bonus, with higher deductibles come relatively more lawsuits. So safer to only offer low deductibles. (My experience after 20 years in the sector.)
In my country a family perhaps pays about €5k total a year for two cars, health, house and the assortment of legal and liability insurance. That is quite modest (not for all income classes though), since there are catastrophes possible in nearly any avenue of life. A minimalist insurance scheme would save one about €2k/yr. That just isn’t that worthwhile utility wise.
