Hah! 3.7, that's nothing. We' must have had four or five 5.4 plus earthquakes since Easter Sunday.
All fun aside, yeah earthquakes aren't really fun. They just kinda come and you cross your fingers it's not going to be a huge one. Then you call everybody in the immediate area and ask "did you feel that?"
Maybe I missed something somewhere, but the 'fine' doesn't actually provide anyone with insurance, does it? The government isn't going to insure you through a fine, are they? Exactly. A very dangerous precedent has been set here.