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Anon at 14:18
I agree that this would be the ideal solution. Unfortunately, though, I do not believe that the insurers would go for it. At the moment, although they are insuring, in effect, up to 15 years' worth of potential past mistakes, at the end of the year they can close their books, knowing that there will be no future claims in respect of that period. If insurance worked your way (and I think it is a good idea) they would have to keep their books open for 15 years.

As for clamour, I find it really depressing that, so far, only 4 people have commented. The closure of SIF affects all of us but as Anon at 15:40 said, the profession will only wake up when it is too late.