Acts of God get companies out of a lot of financial burdens, so there is a financial incentive to continue labeling climate related natural disasters as Acts of God.
That said, insurance companies know the odds on events and are pricing in the risk of climate change even if they want to keep the worst instances as Acts of God.
I’m putting enough money away that I see myself retiring. At minimum, I would transition to a less stressful job about 10 years away from retirement and ride that out as I go to work less and less.
That said, I know I’ll kill myself if my health degrades too much. I haven’t decided what would happen if I run out of money.