Yes

You can see it at carrefour, monoprix, leclerc, intermarché…

In grocery stores

In France, we have this : https://cestquilepatron.com/

The concept is that customers are asked questions to make a new product that satisfies them. For example, they want to sell apples. They will ask in what country they should buy them, how well the farmer should be paid, what size… and you see in real time how it affects the price. Then, the product will be sold in supermarkets at that price

There is also mutual insurance https://en.m.wikipedia.org/wiki/Mutual_insurance

I would say fire, flood and no tap water for three days.

Those are the most probable things that people are not ready for and should be. If you leave in a city near a river, chances are high that the general population (you included) underestimate vastly the risk of flooding. I learnt it this year with the heavy rains in my area.