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People don’t live in rural areas primarily because of the distance to their jobs and a lack of infrastructure. Otherwise most people would choose rural living over living in a dense city if all other factors were equal.
Closeness to nature, lack of pollution/ city noise, free use of the earth and land, etc.
Because you can very easily already calculate the increased cost of natural disasters; droughts, floods, severe storms with wind and hail damage, crop spoilage, etc that is occurring right now. The future disasters will be worse.
As explained in the article they take the cost of current disasters and multiply the known effects of global warming to calculate what costs will be. They can only calculate what they know.
The costs are probably more like 1000x anyway because there is no way to really apply an accounting system to a complete calamity that would happen if numerous very likely feedback loops happen, as they hint to in the article.