So, I've developed some software, gotten a bunch of users and developed a bit of an income stream, then there's a big bug and now I have no chance of future earnings from that software. I'd probably abandon that project and move on to something else instead; maybe get a job at $BIGCO or become a turnip farmer. So some people got an insurance payout, but the software they were using and considered important enough that they would pay for insurance on is now abandonware for them and for any other users that happened to be out there.
OSS devs would risk future earnings only.