It matters not where the money comes from. Income is often fixed after retirement and the squeeze affects that income just the same.
We will deal with the realities as adults.
But when you work hard all your life for a decent retirement you don't want the taxing authorities, local and state, in combination with the purveyors of insurance to take it away and run you off.
That's what is happening here.
many of whom made decent incomes while young but didn't save a dime...many of whom? And just exactly how would you know that?
As for your post, it represents a patronizing, uninformed generalization, similar to 'slow drivers cause accidents', 'old people can't drive', or 'welfare recipients drive Cadillacs'.
It's not the purveyors of insurance, it's the hurricanes.
Unfortunately the great retiree migration to Florida corresponded to a very flukey and unusual 40+ year absence of hurricane hits in Florida, which people moving there were unable to assess or think about accurately. Now things are returning to normal for Florida hurricane hits.
In the future people are only going to be able to retire there if they can afford it. If not they'll have to move or choose another place with less risk of property destruction. Simple reality and simple economics.
However it's really not that hard or expensive to build housing that can survive the winds of all but a tiny % of hurricanes...it's unfortunate that that hasn't happened. If people simply didn't live within a couple miles of the coast, the sole damage threat would be the wind, and with proper construction the wind wouldn't be doing a lot of property damage.
So who should pay to fix the pot holes, pay for the police departments, pay for the schools? Your taxes and insurance should be paid by everyone else? The Greedy Old Geezer Syndrome "I got mine". If you can't afford to live in the area that your house is located move somewhere where you can afford it. It's that easy, society does not owe you a lifestyle because you have been on this earth a certain amount of time.