Is Personal P&C Insurance Dead?

It seems like it's a waste of time. No one seems to value insurance anymore- all looking to save 15% or more, low limits of liability, etc. I don't feel comfortable selling those kind of policies. They will buy on price and leave next renewal. I will advise them to take better coverage and they will decline, they will get in an accident and not have enough coverage and I will be sued, etc.

For everyone in the business, if you were to enter now, would you?
And if you did enter now, would you focus on commercial and scrap personal lines?
Would you focus on life/health/financial services i
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