Well - the climate is changing - warming due to increasing CO2 concentration and resultant green house effect ..... Right now the melting Arctic and Antarctic ice caps are slowing and stabilizing the process ( absorbing the heat of fusion as the ice melts ). Once these ice caps are gone we will enter a climate catastrophe that will convince the deniers - should any still be around....

Simple physics - long ago discovered and if you fail you don't get a star for merely hanging around ! But you will get the Darwin Prize  .-)

As for the banks - assuredly they have STEM and economic professionals in their establishments who run the econometric risk models - including the effects of climate variations, extreme events and ultimately change - as does the insurance industry. But I guess driving along with eyes closed makes for simpler demands on the intellect.