The ideal answer is compost, regenerative agriculture, and (better treated) human-sources waste.
Organic crop yields will almost certainly reduce a bit without animal waste fertilizer, but that is fine since crop consumption will fall by a greater amount due to not needing to feed a bunch of extra animals.
The argument the person above you is making is that they also profit off people who never file claims in the first place. In fact those people are more profitable since they do not consume labor to process claims.
The Byzantine system of rules and coverage exemptions exists to disincentive people from filing claims just as it exists to give leeway to deny them.
Of course the overall point that paid claims must be less than premiums charged (and investment income) is correct.