It all depends on exactly how the ballot measure is phrased. After all, Prop 19 recently passed which partially repealed Prop 13 (1970s property tax-basis freeze at point of every sale) because enough people realized that $20m homes by the beach paying taxes on a valuation of $100k since the 1970s is bankrupting the state. Still a lot to do to fully repeal Prop 13, but at least now the tax basis can’t be passed down across generations (yeah, California voters really did codify aristocracy into law. It’s mind-boggling).

That was a real case of voters voting against their individual interest (near-guaranteed higher property taxes) for their collective wellbeing (the solvency of the state)

We’re no stranger to ballot measures here, for better or worse. I think most Californians will agree with insurance reform when they realize they won’t be able to get insurance otherwise— also the fact that many people in safer areas probably would see rates decrease.