Aftershocks in the Indian Ocean

The earthquake that caused the devastating tsunami has been having many aftershocks, as one might well imagine from an earthquake of that magnitude. Here is an interesting map, courtesy of Kent Budge at Trolling in Shallow Water, with plenty of information about earthquake and volcanic eruptions, along with LOTS of links to other information about the aftershocks.

He concludes ominously:

Meanwhile, we have our own worries closer to home. At Mt. St. Helens:

VANCOUVER, Wash. -- Scientists believe there is a significant chance of a small eruption of Mount St. Helens in the days or weeks ahead.

Other places that bear watching include Long Valley Caldera, Yellowstone, and, of course, the San Andreas fault zone.

Who is the least-cost bearer of the risks of property loss caused by these events?

Why should anyone expect gubmnts to bail out people who choose to live near areas with reasonably well-known risks like these?