No, I don't see a future of prosperity because humans have adopted a system of profitable ignorance and competitive extraction.

Without massive collapse, we will remain in a state of democracy: "Democracy, where the common people are "intoxicated with the Flatteries of their Orators"- Edmund Burke.

For a time, insurance companies were regulated to provide the service of distributed risks. Their fingers were on the pulses of floods, fires, building codes, etc, because their livelihoods were dependent on good management of complex systems, and premiums reflected those risks semi-accurately. Now, they have computers. That means that their entire system is based on adding complexity and collecting the pennies in the myriad decimal points until there's nothing but decimal points. When floods and hurricanes overwhelmed their systems, they lobbied and got government to take all of the risks, so whatever premiums collected could be profits without scaring people (and mortgage companies) away from flood zones.

Now that governments have adopted the costs of regulation of building codes, auto safety, etc., the insurance industry mostly just collates data, snickers about how much money they can charge, and constantly plays tag on premiums with every state's regulators.

At some point, there won't be any of these companies because reinsurance won't be able to cover the losses, and they'll go bankrupt. The downfall of insurance due to climate change will be the end of stock markets and economics as we know them.

Just as airlines are the canary in the coal mine for overall complexity, insurance is the canary for currency risks because it is the canary for physical resources and political stability. They don't insure unstable societies.