All types of derivatives are dangerous & can cause serious damage to an economy
Certain types of derivatives are OK, but other, more complex types lead to major trouble
They are not dangerous & should only be the business of those involved
Other (please state)
No min asset requirements in fantasy dirivitives, but for other normal insurance yes, they must pay out.
Only thing I can see for loan insurance is the lloyds of London system. Other wise ban them.