You are being simple again. All Lloyds do is insure risk. The fact that they underwrote insurance did not make them rich, what made them rich was the stealing of the resources from the empire like oil and gold and wheat too. Considering the loot with insurance premiums, insurance is pocket money. In any case nobody stopped anybody from offering insurance in any country.
You need to get it into your thick head that the British Empires was finally transferred to the Americans, when the Americans stopped Britain, Israel and France attacking Egypt back in 1956. That was the day it came to an end. Britain no longer ruled the waves despite having a huge merchant ships and the insurance of them. They had no say in anything, America took over the British Empire.
America started the takeover a decade earlier when after the WW2, they had the stay behind groups set up all over Europe to control politics and stop socialist's coming to power. But I fear knowledge in the form of sound with you is going through one ear and coming out of the other with no gateway.




