Explore a critical analysis of cyber insurance in this conference talk from BSidesSF 2017. Delve into ten ways cyber insurance fails to meet its intended purpose, challenging the conventional wisdom that it improves security incentives. Examine the behavioral aspects of decision-making in cybersecurity and discover alternative incentive instruments that could prove more effective. Learn about the misalignment between cyber insurance and its 'job to be done', including insights on risk retention, networked interdependent risks, and premium pricing trends. Gain valuable perspectives on the limitations of current cyber insurance models and consider potential counterarguments to this provocative stance.